Fenomena dalam penelitian ini adalah financial management behavior khususnya pada mahasiswa S1 Universitas Kuningan Tahun Akademik 2020 yang masih kurang baik dalam mengelola keuangannya. Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh financial knowledge dan financial attitude terhadap financial management behavior melalui locus of control. Sampel yang diambil sebanyak 300 responden mahasiswa S1 Universitas Kuningan Tahun Akademik 2020. Instrumen penelitian ini berupa penyebaran kuesioner melalui google form. Teknik analisis data yang digunakan adalah Structural Equation Modeling (SEM). Hasil pengujian hipotesis yang diajukan menunjukkan bahwa (1) financial knowledge tidak berpengaruh positif dan tidak signifikan terhadap financial management behavior. (2) financial attitude berpengaruh positif dan signifikan terhadap financial management behavior. (3) financial knowledge berpengaruh positif dan signifikan terhadap locus of control. (4) financial attitude berpengaruh positif dan signifikan terhadap locus of control. (5) locus of control berpengaruh positif dan signifikan terhadap financial management behavior. (6) locus of control dapat memediasi pengaruh financial knowledge terhadap financial management behavior. (7) locus of control dapat memediasi pengaruh financial attitude terhadap financial management behavior.

Kata Kunci : Financial Knowledge, Financial Attitude, Locus of Control, Financial Management Behavior.

The phenomenon in this study is financial management behavior, especially in S1 students of Kuningan University for the 2020 Academic Year who are still not good at managing their finances. This study aims to determine and analyze the influence of financial knowledge and financial attitude on financial management behavior through locus of control. The sample taken was 300 respondents of S1 students of Kuningan University for the 2020 Academic Year. This research instrument is in the form of distributing questionnaires through google forms. The data analysis technique used is Structural Equation Modeling (SEM). The results of testing the proposed hypothesis show that (1) financial knowledge does not have a positive and insignificant effect on financial management behavior. (2) Financial attitude has a positive and significant effect on financial management behavior. (3) Financial knowledge has a positive and significant effect on the locus of control. (4) Financial attitude has a positive and significant effect on the locus of control. (5) locus of control has a positive and significant effect on financial management behavior. (6) locus of control can mediate the effect of financial knowledge on financial management behavior. (7) locus of control can mediate the influence of financial attitude on financial management behavior.

Keywords : Financial Knowledge, Financial Attitude, Locus of Control, Financial Managemet Behavior