Financial Literacy, Financial Attitude, and Household Financial Behavior

Household financial behavior is a crucial topic to study because it determines the family's economic well-being. This examines effect of literacy, attitudes, experience, and income on household behavior. The object this research family finance manager in Sidoarjo City, East Java. data collection technique using an online survey. Sample selection was done by purposive sampling technique. sample 153 managers. analysis used Partial Least Square Structural Equation Model (PLS_SEM). results indicate that literacy attitudes positively affect behavior, while experience have no significant effect. finding implies policymakers should increase public attitude toward managing finances.