THE INFLUENCE OF LIFESTYLE, BEHAVIOR INTENTION AND LOCUS OF CONTROL ON FINANCIAL MANAGEMENT IN COMMUNITY

Abstract

Financial management is the attitude of someone who is able to manage current and future finances to meet all their life needs. This study aims to examine the influence of lifestyle, behavioral intention, and locus of control on financial management in society. The number of respondents in this study is 187. The respondents are from Surabaya City, Gresik Regency, Sidoarjo Regency, and Mojokerto Regency. Respondent data was collected by questionnaire using judgmental (purposive) sampling and convenience sampling techniques. The data analysis technique used is structural equation modeling with partial least squares (SEM-PLS) using the WarpPLS 7.0 program. The results of the study explain that lifestyle has a significant positive effect on financial management, behavioral intention has a significant positive effect on financial management, and locus of control has a significant positive effect on financial management in society.