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The purpose of this study: 1). To determine and explain the influence of financial knowledge on family financial management behavior, 2). To determine and explain the influence of financial attitudes on family financial management behavior, 3). To determine and explain the influence of financial knowledge and financial attitudes on family financial management behavior. The population in this study were residents of Kaligangsa Kulon Village, Brebes District, Brebes Regency who were 17 years old and over and totaled 5879 people. The study was conducted based on probability sampling techniques, simple random sampling. The results of the study can be concluded that: 1). Financial knowledge does not affect family financial management behavior, 2). Financial attitudes have a positive and significant effect on family financial management behavior, 3). Financial knowledge and financial attitudes have a positive and significant effect on family financial management behavior.

This research aims to determine the influence of education on creativity and innovation in entrepreneurship. Entrepreneurship education can arouse the spirit of entrepreneurship. An entrepreneur requires tenacity and skills in running a business. Mastering, understanding and applying one's abilities in running an entrepreneur cannot be separated from the ability to understand entrepreneurial knowledge. Entrepreneurship education is a process of motivating students to recognize the environment and open their own business (entrepreneurship), create different values by devoting the necessary time and effort, also bear financial risks, bear the accompanying psychological and social impacts, and receive monetary rewards. . Entrepreneurship education has a big influence on entrepreneurial motivation, being motivated to become an entrepreneur, being able to create your own business activities, building attitudes, mentality and character.

This research study aims to determine the effect of financialknowledge and financialattitude on financialbehavior through the mediation of locusof control instudents the city ofBengkulu. Thepopulation study were students in thecity ofBengkulu. From calculations using theformula where[21], theindicator is 24 x 10, thesample size for thisstudy was determined to be 240 respondents. Determination of thesample using non-probability samplingtechnique with purposive samplingtechnique, by determining the criteria of therespondent. Theresearch approach used is quantitativeresearch. The type of data used in this study is primary data, namely research dataobtained directly from originalsources (respondents). The research data was processed using thesmartPLS 3.0 analysis tool. The results of thisstudy indicate that financialknowledge can influence financialbehavior directly and cannotinfluence it indirectly or through locus ofcontrol mediation. FinancialAttitude Variable can influenceFinancial Behaviordirectly and can also influence indirectly through Locus OfControl. Lastly, the variables of financialknowledge and financial attitudes have influence on the financialbehavior variable. FinancialKnowledge and FinancialAttitude Variables can affect the LocusOf Control variable. Finally, the Locus OfControl variable can have a significant effect on the FinancialBehavior Variables.

The rapid growth of information technology in recent years has made it easier for people to carry out their daily activities. Financial technology is currently increasingly popular and developing rapidly, making it easier for the general public to access other financial products. Quick Response Code (QR Code) is a technological development used as a digital wallet payment technique. By using one standard QR code, product and service providers (merchants) do not have to have a different type of QR Code than the publisher. With the presence of several types of digital wallet applications, merchants need to provide as many QR code services as there are digital wallet applications available for delivery by each application. "This research will discuss the influence of using mobile banking as a mediation to link the impact of financial capabilities (financial behavior, financial attitudes, and financial knowledge) on financial well-being

This research aims to determine: 1) The influence of financial literacy on financial management behavior among Small Medium Enterprise (SME) in Kolaka Regency. 2) The Influence of Financial Attitudes on Financial Management Behavior among SME owner in Kolaka Regency. This research is a research employed quantitative approach. Data collection of the research used observation, documentation and distribution of questionnaires. The population of this research is SME owner in Kolaka Regency. Meanwhile, the sample for this research consisted of 386 respondents using purposive sampling techniques, namely the technique of determining certain criteria. Research instrument testing used validity and reliability tests with SPSS 25.0. The data analysis technique used is measurement model testing (outer model) and structural model testing (inner model) with Smart PLS 3.0. Based on the research results, it is known that the Financial Literacy variable has no influence on the Financial Management Behavior of SME owner. And the Financial Attitude variable has a positive and significant effect on Financial Management Behavior of SME owner.

In the digital era, the transformation of payment methods has become crucial to enhancing business efficiency and competitiveness, especially for street vendors in the Gelora Bung Karno (GBK) Senayan area. The implementation of the Quick Response Code Indonesian Standard (QRIS) among street vendors enables quick, safe, and simple digital transactions, supporting financial inclusion and reducing risks associated with cash handling. The QRIS awareness program conducted at GBK Senayan aimed to improve vendors' understanding of the benefits of digital payments, such as better financial management, reduced need for change, and increased security. This initiative included hands-on training, distribution of informative brochures, and direct practice to equip vendors with essential digital skills. As a result, 70% of vendors who participated in the program began using QRIS, and a positive shift in attitudes toward digital payment technology was observed. Primary challenges included limited technological understanding and unstable internet access; however, these can be addressed through ongoing technical support and assistance from technology service providers. With appropriate support, QRIS adoption among street vendors is expected to continue, enhancing competitiveness and ease for both vendors and consumers in the digital age.

The purpose of this study was to analyze: (1) the effect of financial knowledge on MSME performance (2) the effect of financial attitudes on MSME performance (3) the effect of financial behavior on MSME performance (4) The effect of financial knowledge, financial attitudes and financial behavior on MSME performance. The type of research conducted by this researcher is a questionnaire research. The sampling technique was carried out using a non-probability sampling technique with a purposive sampling technique with a population of 100 respondents. With the criteria that UMKM have been operating for at least 3-2 years, transactions have used internet banking such as (Ovo, Go-Pay, Funds, Shopee-pay) in Pasuruan Regency. While the analysis technique used is multiple linear regression analysis with the calculation analysis tool using SPSS 24. The results of this study indicate that: 1. the financial knowledge variable has no positive and insignificant effect on MSME performance 2. The financial attitude variable has a positive and significant effect on MSME performance. 3. The financial behavior variable has no positive and significant effect on MSME performance. 4. The financial knowledge, financial attitude and financial behavior variables have a positive and significant effect on MSME performance.

This study aims to determine the influence of financial knowledge, locus of control and financial attitudes towards financial management on Management Students of PGRI Semarang University Class of 2018-2021. This type of research uses quantitative research methods and the data used in this study are primary data. The population in this study is Management Students of PGRI University Semarang, this study uses the Probability Sampling technique with a sample of 299 respondents. The measurement of this study used a Likert scale which was then processed with the IBM SPSS Statistical Version 25 analysis tool using multiple linear analysis. The results of this study show that there is a positive and significant influence between financial knowledge (X1) and financial management (Y) partially, locus of control (X2) has a positive and significant effect on financial management (Y) partially, financial attitude (X3) has a positive and significant effect on financial management (Y) partially. Financial knowledge, locus of control, financial attitudes have a shared influence on financial management simultaneously. The results of the coefficient of determination (R2) test obtained a value from Ajusted R Square of 0.235 or 23.5% showed that financial management variables were influenced by financial knowledge variables, locus of control, financial attitudes, while the remaining 76.5% were influenced by other variables that were not in this study.

The development of financial management was pioneered by the behavior of a person in the decision-making process. Financial management must lead to responsible financial behavior so that all finances for both individuals and families can be managed properly. Early financial planning will help a person to realize his life goals. A student is an age at the stage of self-development to establish attitudes and lifestyle behaviors and be able to carry out good financial planning by understanding financial literacy correctly. This research was conducted by distributing questionnaires via Google form to students at SMKN 1 Jetis who met the research criteria, namely ages 16-18 years. The research sample was 1256 students using a purposive sampling technique, so that 93 respondents were needed. The data analysis technique uses multiple linear regression data analysis with the help of SPSS 25. The results show that the financial literacy variable has a positive and significant influence on financial management behavior, lifestyle has a positive and significant influence on financial management behavior, and financial literacy and lifestyle variables simultaneously influence the behavior of financial management.

Innovation is a system of recognition, development and renewal process that enhances economic success for entrepreneurs or producing companies and their consumers as well as the wider organization. BUMDes is one of the institutions that can be mobilized to support the improvement of the community's economy in the village. BumDes Balaroa Pewunu itself is engaged in the business of buying and selling agricultural products and savings and loans. Community economic empowerment is an effort to develop self-sufficiency and community welfare by increasing knowledge, attitudes, skills, behavior, abilities, and awareness, by utilizing existing resources. The stages of implementing the community service program are observation, interviews, proposals, data collection, training and reporting of the results of community service. In implementing the MBKM activities to Build Villages by conducting Socialization and Training inviting Resource Persons from the Faculty of Economics and Business, Tadulako University, Agriculture Lecturers. The activity was carried out in two days, the material on the first day was that the lecturer from the Faculty of Economics and Business presented a business plan, financial management. On the second day the lecturer from Agriculture presented material on the procedures for making organic fertilizer by utilizing existing materials around the village, participants who were present were the Village Government, Head of Bumdes, farmers. Through the training which was carried out by inviting expert Lecturers from FEB UNTAD and Faculty of Agriculture opening the insights of the Village Government, especially BUMDes to continue to improve BUMDes innovation as an effort to improve the village economy of Balaroa Pewunu

An accountant must know the code of ethics because it is an important profession in the economic field. The accountant's code of ethics is used as a guide in carrying out its main duties and functions in accordance with the competence possessed by the accountant in order to improve the quality of his work so that it can be used as a guide in determining attitudes and behaving based on professional ethics. The development of today's technology, where there is a lot of competition, is actually more and more violations of professional ethics. Scandals that violate the code of ethics pose a serious problem for the ethical standards of the accounting profession. There are still many violations of professional ethics, in Indonesia one of which is PT. Asuransi Jiwasraya, which manipulated its financial statements. This case started that PT. Asuransi Jiwasraya stated that it was unable to pay the JS Savings Plan policy claim that was due in the amount of Rp. 802 billion on October 10 2018. From the results of the BPK investigation, it was revealed that there were inconsistencies which indicated fraud in the implementation of saving plans and investments. This analysis aims to explain the basic concepts of ethics, code of ethics, and find out which basic principles of accountant ethics have been violated by PT. Asuransi Jiwasraya. In the Case of PT. Asuransi Jiwasraya There are 4 basic principles of accountant ethics that have been violated, namely, integrity, objectivity, competence and prudence, and professional behavior.