Pengaruh Financial Knowledge Dan Spiritual Intelligence Terhadap Financial Management Behavior Mahasiswa Dengan Locus Of Control Sebagai Variabel Mediasi

This study aims to determine the effect of financial knowledge, spiritual intelligence, and locus of control on financial management behavior. The sample in this study were 304 active student respondents in the city of Surabaya. The sampling method used in this study uses purposive convencience sampling. The analysis technique in this study uses the Structural Equation Model (SEM). The results of this study indicate that financial knowledge and locus of control partially have a significant positive effect and spiritual intelligence has a significant positive effect by mediating locus of control on financial management behavior