JPEKA: JURNAL PENDIDIKAN EKONOMI, MANAJEMEN DAN KEUANGAN Vol. 7 No. 1 Mei 2023 DOI: 10.26740/jpeka.v7n1.p1-17 Pengaruh Financial Literacy, Lotus of Control, dan Self Efficacy terhadap Financial Behavior Rita Atari 1 , Erin Soleha 2 1 Program Studi Manajemen, Universitas Pelita Bangsa, ritaatari30@gmail.com 2 Program Studi Manajemen, Universitas Pelita Bangsa, erinsoleha@pelitabangsa.ac.id Abstrak Financial Behavior menjadi hal yang penting bagi mahasiswa sebab menentukan kondisi finansial dan pencapaian tujuan keuangannya, terutama dalam menyikapi isu resesi tahun 2023 ini perlu pembenahan finansial agar mahasiswa mampu mempersiapkan diri juga sebagai bekal seseorang dalam menghadapi krisis tersebut apabila benar-benar terjadi. Penelitian ini mempunyai tujuan untuk menunjukkan adanya hubungan antara self efficacy, locus of control, dan financial literacy terhadap financial behavior. Riset ini menggunakan 100 sampel yang didapat dari populasi mahasiswa Universitas Pelita Bangsa prodi manajemen angkatan tahun 2019, dengan metode penentuan sampel yakni non-probability sampling dan pendekatan purposive sampling. Riset ini adalah jenis penelitian kuantitatif yang datanya diperoleh secara primer dari kuesioner dan secara sekunder melalui studi kepustakaan. Teknik analisis data menggunakan Partial Least Square (PLS) melalui pengujian koefisien outer model dan inner model dengan bantuan software SmartPLS. Temuan penelitian menunjukkan bahwa financial literacy, self efficacy, serta locus of control, berpengaruh signifikan secara parsial maupun secara simultan terhadap financial Behavior mahasiswa Universitas Pelita Bangsa. Kata Kunci: Financial Behavior, Financial Literacy, Locus of Control, Self Efficacy. Abstract Financial Behavior is important for students because it determines their financial condition and achievement of their financial goals, especially in addressing the issue of the 2023 recession, it is necessary to improve financially so that students are able to prepare themselves as well as someone's provision to face this crisis if it does happen. This study aims to show that there is a relationship between self-efficacy, locus of control, and financial literacy on financial behavior. This research used 100 samples obtained from the Pelita Bangsa University student population, management study program class of 2019, with the sample determination method, namely non-probability sampling and a purposive sampling approach. This research is a type of quantitative research in which the data is obtained primarily from questionnaires and secondarily through literature studies. The data analysis technique uses Partial Least Square (PLS) through testing the outer model and inner model coefficients with the help of SmartPLS software. The research findings show that financial literacy, self-efficacy, and locus of control have a significant effect partially or simultaneously on the financial behavior of Pelita Bangsa University students. Keywords: Financial Behavior, Financial Literacy, Locus Of Control, Self Efficacy. JPEKA