Pengaruh Pengetahuan Keuangan, Pendapatan Dan Locus of Control Terhadap Perilaku Pengelolaan Keuangan

The purpose of this study was to examine the effect of financial knowledge, income and locus of control on financial management behavior in Bawean Island. This research methodology uses 156 respondents who were collected by distributing questionnaires offline and online via google form in the Gresik area, Bawean Island. The sampling technique was purposive sampling. The data collection technique was carried out using an online survey method and distributing question-naires offline. The analysis technique used is the structural model equation method using the SmartPLS 3 program. The results of this study are financial knowledge has a significant negative effect on financial management behavior, while income does not have a significant positive effect on financial management, locus of control has a significant positive effect on financial manage-ment behavior