Pengaruh Experienced Regret, Risk Perception, Locus Of Control Internal, Overconfidence dan Etnis pada Pengambilan Keputusan Investasi di Surabaya

Every household definitely wants a prosperous and happy future. Planning family finances is a key to allocating household income optimally so that the objectives of the expected planning are achieved. This study aims to determine the influence of financial literation, consumption pattern and financial attitude on financial planning familyinbangkalanwith data analysis technique used is SEM-PLS test. Respondents who were sampled amounted to 107respondentswhich have criteria such as have total family income in every month minimum Rp 1.500.000 and live in Bangkalan. Based on the research result it is found that future financial literation has significant positive on financial planning family, consumption pattern has significant negative on financial planning family, and financial attitude has significant positive on financial planning family. Keywords : financial literation, consumption pattern, financial attitude and financial planning family