International Journal of Research & Review (www.ijrrjournal.com) 365 Vol.5; Issue: 12; December 2018 International Journal of Research and Review www.ijrrjournal.com E-ISSN: 2349-9788; P-ISSN: 2454-2237 Research Paper The Effect of Financial Literacy and Spiritual Quotient on the Management of Personal Finance on Faculty of Economics Universitas Negeri Medan Noni Rozaini 1 , Aurora Elise Putriku 1 , Fera Arista 1 1 Department of Business Education, Medan State University, Medan, Indonesia, Corresponding Author: Noni Rozaini ABSTRACT The purpose of this research is to determine the effect of positive and significant between financial literacy and spiritual quotient on the management of personal finance at the students of 2014 Commerce Education. This research was conducted at Faculty of Economics, Universitas Negeri Medan. This type of research is expost facto. Population in this research is all student of Commerce Education 2014 which amounts to 76 students. The sample in this research is 76 students taken by using sampling technique in total sampling, technique of data collecting done by observation, questionnaire and documentation. Based on result of multiple linear regression analysis linear equation is obtained by Y = 9.537 + 0.558X1 + 0.239X2. The result of t test analysis for financial literacy obtained there is positive and significant influence to the personal financial management. For spiritual quotient variable obtained there is positive and significant influence to the personal financial management. The F test it founded there is a positive and significant influence between financial literacy and spiritual quotient on the personal financial management students E-commerce Education of 2014 Faculty of Economics, Universitas Negeri Medan. Keywords: Financial Literacy, Spiritual Quotient, Personal Financial Management INTRODUCTION Financial intelligence is the intelligence in managing personal financial assets. By applying the right financial management method, a person is expected to get maximum benefit from the money he has. In one's personal life, basically a financial decision taken is three, namely how much should be consumed each period; is there an excess of income and how is excess invested; and how to fund the consumption and investment. In order to achieve financial prosperity, one needs to have the knowledge, attitude and implementation of healthy personal finance. Researchers observed 60 students who were expected to be able to represent the total number of students of the 2014 Whip Commerce Education in Faculty of Economics Universitas Negeri Medan to see funds for the average non-food consumption expenditure for one month with the data below: Table 1 Average consumption of non-food consumption students of the 2014 Program of Commerce Education Faculty of Economics Universitas Negeri Medan Expense Type Average % Communication 98,83 18% Tuition support costs 89,58 16% Entertainment 202,33 37% Fashion 155,00 28% amount 545,74 100% Source: Data processed Based on the table above it can be seen that the average cost of student consumption for entertainment has the