The Influence of Financial Literacy, Financial Awareness, And Income On Financial Well-Being With Financial Behavior And Financial Inclusion As Intervening Variables (A Case Study On Families In Surabaya)

As a result of the Covid-19 pandemic, Indonesian economy has been severely affected. Surabaya city's contracted by -4.85% in 2020 and 2021 it grew to 4.29%. Surabaya's poverty rate is 5.23%, or 152,489, an increase just 5.02% from 2020. result, household consumption, mainstay economy, slowed significantly, impacting various performance sectors. Fiscal welfare important for governments accelerate economic recovery. The purpose this study analyze impact financial management on literacy, awareness, income, behavior, inclusion families. This used quantitative method with simple random sampling method. uses primary data through distribution questionnaires. analysis partial least squares (PLS). results show that literacy significant positive effect inclusion, no well-being, perceptions well-being. Financial have Income Affects positively, income does not In addition, activity brings other hand, cannot mediate awareness Also, communicate