Int. J Sup. Chain. Mgt Vol. 10, No. 1, February 2021 143 The Influence of Flow of Fund, Financial Knowledge, Financial Attitudes and Personality Towards Financial Management Behavior in the Owners MSMEs Kupang City Christien C. Foenay Management Department, University of Nusa Cendana, Indonesia chcfoenay1709@gmail.com Abstract— This study aims to determine The Influence of Flow of Fund, Financial Knowledge, Financial Attitudes, and Personality Towards Financial Management Behavior In The Owners Micro Small and Medium Enterprises (MSMEs) Kupang City. This research is included in associative causal research. The subjects of this study were the owners of the woven fabric MSMEs in Kupang City as many as 30 MSMEs. Data collection techniques using a questionnaire. Validity and reliability tests were carried out on 20 people outside the subject who were registered as woven fabric MSMEs in Kupang City. Analysis prerequisite tests include linearity test, multicollinearity test, and heteroscedasticity test. Data analysis techniques with multiple linear regression. The results showed that (1) there was a positive Influence Of Financial Knowledge On Financial Management Behavior of The Owners Woven Fabric MSMEs Kupang City (2) there was a positive Influence Of Financial Attitudes On Financial Management Behavior of The Owners Woven Fabric MSMEs Kupang City (3) there was a positive Influence Of Personality On Financial Management Behavior of The Owners Woven Fabric MSMEs Kupang City (4) there is a positive Influence of Financial Knowledge, Financial Attitudes, and Personality towards Financial Management Behavior on the The Owners Woven fabric MSMEs Kupang City. Keywords—Financial Knowledge, Flow of Fund, Financial Attitudes, Personality, and Financial Management Behavior 1. Introduction Micro Small and Medium Enterprises (MSMEs) are business units that are managed by individuals and micro business groups. MSMEs contribute to the creation of national investment, the national Gross Domestic Product (GDP), national labor, and the creation of national foreign exchange. The performance of MSMEs shows an increase so that MSME contributes greatly to the improvement of Indonesia's economic growth. Besides the improved performance of MSMEs, there are also problems faced by MSMEs, namely the behavior of financial management of MSMEs owners. The problem of financial management behavior is related to the problem of financial knowledge possessed. Flow of fund and Financial knowledge consists of financial skills and the authority of financial tools. Financial skills as a technique for making decisions in financial management behavior, such as preparing a budget, choosing investments, choosing an insurance plan, and using credit are examples of financial skills [1]. The MSMEs never prepare a financial budget in the management of their businesses, most MSMEs have never made any book keeping related to business management [2]. MSMEs should keep books on budget planning, implementation, and control in their finances. But the facts found are the awareness of MSMEs to make bookkeeping for financial management of their businesses is still very low. The reason for the low awareness of MSMEs owners in making budget planning is due to the thinking of MSMEs owners that budget planning is not important and can be easily managed and there is no adverse impact on the sustainability of their businesses even though MSMEs owners do not do budget planning. Various problems experienced by MSMEs owners reflect the poor financial knowledge and financial attitudes possessed by MSMEs owners which will later influence the behavior of financial management they have. Many attempts were made to reveal what fowners influence the low behavior of financial management. The fowners that influence the behavior of financial management in young people aged 19-30 years include financial attitudes, financial knowledge, and locus of control [3]. Research stating that financial knowledge, financial attitudes, and personalities influence financial management behavior [4]. ______________________________________________________________ International Journal of Supply Chain Management IJSCM, ISSN: 2050-7399 (Online), 2051-3771 (Print) Copyright © ExcelingTech Pub, UK (http://excelingtech.co.uk/)