The purpose of this study is to determine the effect of financial knowledge,
financial attitude, and spiritual intelligence on financial management behavior.
This study used quantitative research methods. The sampling technique used in
this study is purposive sampling methode. The number of samples in this study
are 392 respondents. The data analysis techniques used in this research are
instrument test, descriptive statistics, classical assumption test, multiple linear
regression analysis. The results of this study of which obtained by using the
simultaneous test method (f test) proved that financial knowledge, financial
attitudes, and spiritual intelligence have significant positive effects on financial
management behavior. Furthermore, the results of the analysis using the partial
test method (t test) proved that financial knowledge, and financial attitudes have
significant positive effects on financial management behavior. Spiritual
intelligence has no effect on financial management behavior. The number of the
coefficient of determination analysis is 10.8%, while the remaining 89.2% is
influenced by other variables not examined in this study. The financial knowledge
variable is the most dominant factor that influence on the behavior of financial
management.