HUBUNGAN PENDIDIKAN PENGELOLAAN KEUANGAN KELUARGA, KEBIASAAN PENGELUARAN DAN DAN JENIS KELAMIN DENGAN LITERASI FINANSIAL MAHASISWA PROGRAM STUDI PENDIDIKAN EKONOMI IKIP PGRI MADIUN

One must possess human intelligence in the modern era is the financial intelligence, that intelligence in managing finances. By applying the proper financial management, one is expected to get the maximum benefit from their money. Students as young people actually will face the complexity of products services, financial and market consequences of the financial risk in the future. Students need to have the knowledge, attitude and able to implement a healthy personal finance practices. Education in the family environment provided by parents play a role in shaping an individual who has a financial intelligence. Spending habits in accordance with the priorities also determine one's financial intelligence. This study aims to identify the relationship of family financial management education, pengaluaran habits and sex with student financial literacy Economic Education Study Program IKIP PGRI MADIUN. The design of this research is explanatory research (ex post facto research) research that analyzed the causal relationship or influence of independent variables on the dependent variable and the researchers did not do any treatment of the independent variables. Population and sample of this research are students PGRI MADIUN Economic Education Teachers' Training College. The number of samples is 102 students drawn from each half. Data were collected by questionnaire. The data analysis technique used is multiple linear regression analysis with SPSS 16.0 for Windows. Based on the analysis of data obtained conclusions: (1) education family financial management has a significant positive relationship with financial literacy; (2) spending habits have a significant positive relationship with financial literacy; (3) gender has a negative relationship with financial literacy. Reffering to the result of this study are (1) advice to get children to save;(2)ti give the child a good understanding with regard to ads than intensified in other media; (3)children are trained to make short-term goals, medium-term and long-term; (4)slowly changing feeding patterns becomes weekly, daily, allowance or monthly;(5)providing additional work for children to be able to get extra pocked money; (6)involve children in activities improve financial familie, taking children to always be grateful for you have; (7)always create a shoppinglist basedon priority; (8) familiarize themselveswith the aim for saving any number of financialcondition that is not trapped prestigeand consmtive, bringing a sum of money equivalent to the shopping list that has ben created. This study reinforces the findings of previous study education family financial managementand spending habits has a positive relationship with financial literacy