This study aims to examine and analyze the influence of factors such as financial knowledge, locus of control and income on financial management behavior in students of the Management Study Program, Maranatha Christian University. The number of samples in this study amounted to 240 respondents and the sampling technique was probability sampling with simple random sampling technique. The data was processed and analyzed using multiple linear regression. The obtained result showed that financial knowledge has an effect on financial management behavior, while locus of control and income have no effect on financial management behavior.   Keywords: financial management behavior, financial knowledge, income, locus of control.   Abstrak Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh faktor-faktor seperti financial knowledge, locus of control dan income terhadap financial management behavior pada mahasiswa Program Studi Manajemen Universitas Kristen Maranatha. Jumlah sampel dalam penelitian ini berjumlah 240 responden dan teknik pengambilan sampel dengan probability sampling dengan Teknik simple random sampling. Data diolah dan dilakukan analisis menggunakan regresi linear berganda. Didapatkan hasil yaitu financial knowledge berpengaruh terhadap financial management behavior sedangkan locus of control serta income tidak berpengaruh terhadap financial management behavior.   Kata kunci: financial management behavior, financial knowledge, income, locus of control.

Large-scale social restrictions (PSBB) during the pandemic, and the decline in people’s purchasing power, caused problems for many MSMEs, with some even folding. The business actors must have the good financial literacy to manage funds and enhance business survival under challenging conditions. The research aims to examine the effect of financial literacy on business sustainability and access to finance as a mediating variable that strengthens the relationship between financial literacy and sustainability. It was conducted by taking MSME samples in the West Bandung Regency area using the probability sampling technique with cluster random sampling type. The data collected from the responses of 203 MSMEs was processed using the Path Analysis method with an error rate of 5%. These results showed that financial literacy affects sustainability, and access to finance cannot mediate the effect of financial literacy on sustainability.

This study aims to determine the effect of knowledge, behavior, and spiritual quotient on personal financial management. A total of 194 married employees comprised of non-lecturers and permanent lecturers from Maranatha Christian University were selected as participants using probability sampling with a stratified random sampling method. Data were analyzed using multiple linear regression analysis. The results showed that knowledge, behavior, and spiritual quotient partially affect personal financial management.