Analisa Pengetahuan Keuangan dalam Mempengaruhi Perilaku Manajemen Keuangan dengan Pendapatan sebagai Faktor Moderasi


  • Made Amanda Dewanti Universitas Pendidikan Ganesha
  • Ni Nyoman Yulianthini Universitas Pendidikan Ganesha
  • I Nengah Suarmanayasa Universitas Pendidikan Ganesha
  • Komang Krisna Heryanda Universitas Pendidikan Ganesha



This study aims to determine the relationship between financial knowledge, income and financial management behavior. Income acts as a moderating variable in this study. The subjects in this study were private employees in Sawan Village. The number of samples used in this study was 100 people with proportional random sampling techniques.  Data analysis using structural equation model (PLS-SE). The result of this study is that income cannot strengthen the influence of financial knowledge on financial management behavior, so it is advisable  to reduce excessive consumptive behavior, start developing financial management behaviors such as making budgets and saving, and be able to control your own financial funds , the result of these two studies is that financial knowledge has an influence on financial behavior and the last research result is that opinions have an influence on financial management behavior.


Keywords : financial knowledge, income, financial management behavior