This study aims to determine the effect of financial knowledge, financial attitude, personality, and income on financial management behavior. The population used in this study is registered MSME actors in Cipari District, a total of 308 MSME actors. The sampling technique used is simple random sampling. Samples were taken as many as 184 respondents. Data analysis used is validity test, reliability test, classical assumption test, multiple regression test, coefficient of determination test (Adjusted R Square), f test (Goodness of Fit), and t test. The results showed that financial knowledge, financial attitude, personality, and income had a positive and significant effect on financial management behavior.