Hubungan antara pengetahuan keuangan dan perilaku pengelolaan uang

Abstract

Financial management is a crucial aspect of life as it relates to an individual’s ability to meet their living needs and maintain financial stability. However, low financial literacy remains a problem, leading to ineffective and consumptive money management behavior. This article aims to discuss the concepts of financial knowledge, money management behavior, and te relationship between the two in everyday life. The method used in writing this article is a literature study by reviewing various sources and journals related to financial literacy and money management behavior. The results of the discussion indicate thet financial knowledge encompasses an understanding of budgeting, savings, invesment, and debt management. This knowledge plays a crucial role in developing healthy money management behaviors, such as budgeting, savings, investing, and controlling spending. Furthermore, the relationship between financial knowledge and money management behavior is influenced by factors such as education, income, social environment, and an individual’s financial experience. Therefore, improving financial literacy is a crucial step in developing wiser, more planned and more responsible financi.