Pengaruh Financial Knowledge, Lifestyle Pattern dan Financial Attitude terhadap Financial Management Behavior dengan Locus Of Control sebagai Variabel Mediasi

The purpose of this study is to examine the effect of financial knowledge, lifestyle pattern and financial attitude toward financial management behavior mediated by locus of control. The number of respondents from this study were 109 respondents who had a minimum age criteria of 17 years and lived in Gerbangkertosusila (Gresik, Bangkalan, Mojokerto, Surabaya, Sidoarjo, Lamongan). The technique for analyzing data uses Partial Least Square Structural Equation Modeling (PLS-SEM) using the WarpPLS 7.0 program. The results of this research showed that both financial knowledge and financial attitude has a significant positive effect on financial management behavior. Lifestyle pattern has no effect on financial management behavior, and locus of control partially mediates on the effect of financial knowledge on financial management behavior