Pengaruh Pengalaman Keuangan, Niat Berperilaku dan Kecerdasan Spiritual terhadap Pengelolaan Keuangan Keluarga

Family financial management is very important to grow the family economy. When a family manages their income properly and wisely, maybe the family will live in peace and prosperity. This study aims to examine the impact of financial experience, behavioral intention and spiritual intelligence on family financial management. This study uses a sample consisting of 110 family financial managers as respondents who live in Surabaya. Data were collected using a questionnaire with a purposive sampling technique based on the income of the family which has a minimum income of Rp. 4,000,000 / month. The data were analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM). The results of this study indicate that behavioral intention and spiritual intelligence have a positive and significant effect on family financial management, while financial experience has a positive but insignificant impact on family financial management.