The Effects of Financial Knowledge, Financial Attitude, And Locus of Control on Personal Financial Management Behavior

Abstract

This research aims to analyze the influence of financial knowledge, financial attitude, and locus of control on personal financial management behavior among undergraduate Management students at the Faculty of Economics and Business, University of Mataram. The type of research used is associative with a quantitative approach. The research population consisted of 1,427 active students, and a sample of 312 respondents was selected using the Slovin formula and convenience sampling. The research results show that financial knowledge has a negative and significant effect on personal financial management behavior, financial attitude has a positive and significant effect on it, while locus of control does not have a significant effect.