PENGARUH FINANCIAL KNOWLEDGE, LOCUS OF CONTROL DAN FINANCIAL ATTITUDE TERHADAP FINANCIAL MANAGEMENT BEHAVIOR PADA MAHASISWA

The financial management behavior has become prevailing issue nowadays. Many factors may affect students in financial management behavior , some of them are financial knowledge, locus of control, and financial attitude . This study aims to examine the relationship between financial knowledge, locus of control, and financial attitude on financial management behavior. The samp le consists of 120 respondents, in Surabaya and Gresik in which they were taken by means of Purposive Sampling. The characteristics of respondents such as they study in the college of Surabaya and Gresik, not yet working, has a monthly allowance, and maxim um education of S1. Using Multiple Regression Analysis, this research found that financial knowledge haven’t significant negative on the financial management behavior. Locus of control and financial attitude have a significant positively related to financial management behavior. Implications for students is important to recognize and learn the financial knowledge from now because it will affect the financial management in the future. Keywords : Financial Management Behavior, Financial Knowledge, Locus of Control , Financial Attitude