Financial knowledge, financial attitude, and locus of control: reviewing their influence on financial management behavior using financial literacy as moderation variable

The study aims to determine the effect of financial knowledge on financial management behavior. It applied financial literacy as moderation variable. Using statistical model of research, it is found some conclusions as follows. First, it is shown that financial knowledge has a positive and significant effect on financial management behavior. Next, Locus of control has a positive and significant effect on the financial management behavior. The last, locus of control has a positive and significant effect on the financial management behavior through financial literacy.