Pengaruh Literasi Keuangan, Sikap Keuangan dan Kecerdasan Spiritual terhadap Perilaku Pengelolaan Keuangan Keluarga dengan Niat Berperilaku sebagai Variabel Mediasi

The purpose of this research is to determine the influence of financial literacy, financial attitude and spiritual in telligence on the financial management behavior of family with behavioral intentions as a mediating variable. Total of respondents from this research are 177 respondents with the criteria as a manager of family finances, and have a family income at least Rp. 3.000.000/month, and domiciled in Gresik, Surabaya and Lamongan. The analysis technical used in this research is partial least square (PLS). The results explain the financial attitude have a significant positive effect on the financial management behavior of family, while financial literacy and spiritual intelligence have positive but not significant effect on the financial management behavior of family. Behavioral intentions is not able to mediate the effect of the financial management behavior of family. Key Words : Financial Literacy, Financial Attitude, Spiritual Intelligence, Behavioral Intentions, Financial Management Behavior In Family