Pengaruh Literasi Keuangan, Tingkat Pendidikan dan Kecerdasan Spiritual terhadap Pengelolaan Keuangan Keluarga Muslim di Surabaya, Sidoarjo dan Gresik

This study analyzes the effect of financial literacy, education level and spiritual intelligence on financial management of Muslim families in Surabaya, Sidoarjo and Gresik. This study uses thevariable independent financial literacy, education level and spiritual intelligence, thevariable dependent is the financial management of Muslim families. This study used a sample of 135 Muslim respondents, domiciled in Surabaya, Sidoarjo and Gresik. This research uses purposive sampling technique. The data that had been collected were analyzed using(Structural Equation Modeling Partial Least Square) WarpPLS 7.0as a tool. The results of this study indicate that financial literacy and education level have a positive and insignificant impact on the financial management of Muslim families, while spiritual intelligence has a significant positive impact on financial management of Muslim families. Keywords: Financial Literacy, Education Level, Spiritual Intelligence, Financial Management Of Muslim Familie