Pengaruh Locus Of Control Internal, Niat Berperilaku, dan Tingkat Pendidikan Terhadap Perilaku Pengelolaan Keuangan Keluarga

Financial management behavior become a very important at this time. This is related to the consumptive behavior in Indonesian and especially in Surabaya, Sidoarjo and Madura. The purpose of this study is to examine the effect locus of control internal, intention to behave, education of family financial management behavior. The sample consisted of 403 respondents who had a minimum income of Rp. 4.000.000 per month, married, and domiciled in Surabaya, Sidoarjo, and Madura. Samples were selected using purposive sampling technique. Data were analyzed by Structural Equation Modeling on PLS (Partial Least Square). The result show that locus of control internal had a significant positive effect on family financial management behavior, intention to behave had a significant positive effect on family financial management behavior, and Education had a significant positive effect on family financial management behavior. Key word : Financial Management Behavior, Locus Of Control Internal, Intention To Behave, Educatio