Financial literacy on the SME owner/manager will subsequently improve the profitability of SME. Although, numerous research had existed in financial literacy subject, there are still limited research that examined the factor related to financial literacy. In this paper, we are examining demographic and SME factor that contribute to financial literacy using linear regression. Other objective of this paper is to confirm the benefit of financial literacy on access to credit. The finding shown that for demographic factor, level of education is contributed to financial literacy. The second finding is that level of financial literacy is related with greater degree of access to credit.

Original languageEnglish
Article number012064
JournalIOP Conference Series: Materials Science and Engineering
Issue number1
Publication statusPublished - 10 Apr 2018
Event1st International Conference on Industrial and Systems Engineering, IConISE 2017 - Denpasar, Bali, Indonesia
Duration: 29 Aug 201730 Aug 2017


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