Anindya Ardiansari, - and Dwi Cahyaningdyah, FE Manajemen and Achmad Slamet, - (2016) Electronic Financial Behavior Profile for Improving SMEs Financial Literacy in Semarang. International Journal of the Computer, the Internet and Management, 24 (3). ISSN 0858-7027

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Abstract

- SMEs are an important element in supporting the Indonesian economy. Therefore, an improvement of SMEs in Indonesia in general and the city of Semarang in particular. Semarang is a city with considerable industrial SMEs. However, SMEs in Semarang city have not been growing rapidly. This study examines the development of SMEs in terms of financial behavior to improve their financial literacy. Financial literacy is one alternative solution that can help in terms of the complexity of financial decision and recession, and can have a positive impact on the economic capability. To create a citizens' responsible finance, access to finance must be equipped with financial education. Mix the creation of financial access and financial education will provide the basis for appropriate market behavior. Improving financial behavior is the next policy priority. This paper starts from the fact that little research on behavioral profiles of individual financial management at the group level. Availability of financial literacy profile is generally in the macro level that covers the whole of society and even a country. As the development of technology, SMEs should also use technology as a tool to operate their business activities. In this case, researchers will look at how the use of technology in the financial behavior of SMEs in Semarang. By using a triangulation method, the results from this study showed that the financial behavior and financial literacy SMEs in Semarang is still low and many SMEs in Semarang is not using technology for financial activities

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