Global Conference on Business and Managament Vol. 1, No. 1, 33-43 https://doi.org/10.35912/gcbm.v1i1.8 33 THE EFFECT OF FINANCIAL KNOWLEDGE AND FINANCIAL ATTITUDE ON FINANCIAL MANAGEMENT BEHAVIOR OF STUDENTS IN SURABAYA Rosseline Veronica 1 , Sautma Ronni 2 1,2 Finance and Investment Program Faculty of Bussiness and Economic, Petra Christian University Jl. Siwalankerto 121-131, Surabaya Corresponding author email 1 : d11180137@john.petra.ac.id Co-author email 2 : sautma@petra.ac.id ABSTRACT This study aims to determine the effect of financial knowledge and financial attitude on financial management behavior students in Surabaya. The population of this study were students in Surabaya and sample in this study were active students studying in Surabaya. The sample used in this study amounted to 100 students. Sources of data in this study through the distribution of online questionnaires via google form. The data analysis method uses Partial Least Square (PLS) analysis. The results indicate that financial knowledge and financial attitude have a positive effect on financial management behavior. Keywords: financial knowledge, financial attitude, financial management behavior. 1. INTRODUCTION The number of shopping centers in the city of Surabaya makes the people of Surabaya have a consumptive lifestyle and pay less attention to their financial management. Not only that, rapid technological advances make people have other choices for shopping, namely online, especially during the Covid-19 pandemic like this. In 2017, Surabaya became the city with the highest percentage of online shopping at 71 percent (Yuliastuti, 2017). From the survey conducted, there were 12 million new e-commerce users during almost 9 months of Covid-19 and at least 40 percent of users made online shopping a habit (Noorca, 2020). Shopping centers have become lifestyle icons of students, so students who previously did not like traveling to malls are now more seen gathering in malls (Novitasani & Handoyo, 2014). Compulsive buying has also occurred in the younger generation, especially among students (Piero et al., 2018). Compulsive buying itself is a buying behavior characterized by excessive consumption (Han, 2020). Not only that, with rapid technological advances, students who