Proceedings of the 1st International Conference on Social Environment Diversity (ICOSEND 2024)

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Financial Behavior and Financial Performance: Financial Distress as a Moderating Variable

Authors
Tri Rinawati1, *, Bonita Prabasari1, Excelline Anjani Handoko1, Retno Wahyu Astuti1, Wicahyono1
1Fakultas Ekonomi, Universitas Semarang, Semarang, Indonesia
*Corresponding author. Email: tri_rinawati@usm.ac.id
Corresponding Author
Tri Rinawati
Available Online 28 February 2025.
DOI
10.2991/978-2-38476-366-5_19How to use a DOI?
Keywords
Financial Behavior; Financial Distress; Financial Performance; MSMEs
Abstract

The main aim of this research is to analyze and study the influence of financial behavior on the financial performance of MSME actors with moderate financial distress. This research uses a sample of 100 MSMEs in the Batik industry who have exported, located in Semarang City, Central Java. The analysis carried out in this research used causality analysis with SEM PLS. The research results found that direct financial behavior has a significant influence on financial performance. Besides that, financial distress can moderate financial behavior to financial performance. From the results of this research, it can be concluded that poor financial behavior plus financial difficulties will have a negative impact on financial performance. So as business actors, especially MSMEs, you must pay attention to your financial behavior in managing your business finances for business sustainability. Moreover, MSMEs have an important role in the Indonesian economy in the formation of gross domestic product and employment.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 1st International Conference on Social Environment Diversity (ICOSEND 2024)
Series
Advances in Social Science, Education and Humanities Research
Publication Date
28 February 2025
ISBN
978-2-38476-366-5
ISSN
2352-5398
DOI
10.2991/978-2-38476-366-5_19How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Tri Rinawati
AU  - Bonita Prabasari
AU  - Excelline Anjani Handoko
AU  - Retno Wahyu Astuti
AU  - Wicahyono
PY  - 2025
DA  - 2025/02/28
TI  - Financial Behavior and Financial Performance: Financial Distress as a Moderating Variable
BT  - Proceedings of the 1st International Conference on Social Environment Diversity (ICOSEND 2024)
PB  - Atlantis Press
SP  - 204
EP  - 214
SN  - 2352-5398
UR  - https://doi.org/10.2991/978-2-38476-366-5_19
DO  - 10.2991/978-2-38476-366-5_19
ID  - Rinawati2025
ER  -