Model Pengelolaan Keuangan Berbasis Literasi Keuangan dan Inklusi Keuangan : Studi pada UMKM di Kota Binjai

This study aims to produce a Model of Financial Management Based on Literacy and Inclusion: A Study MSMEs in Binjai City. Meanwhile, the research time until completion stage is estimated be approximately 8 months from March 2021 October 2021. basic research. The population sample this were taken 205 Micro, Small Medium Enterprises City, through collaboration using cluster sampling approach 5 sub-districts as well random based criteria type, duration, average level. business profit. Primary data collection was carried out survey method questionnaire (questionnaire). analysis technique used descriptive statistical SEM-PLS with help Smart PLS software. results showed that processing structural model, obtained variable had significant positive effect has Management: Inclusion Management, can positively mediate