Abstract :In this research, we aim to investigate how financial knowledge, financial attitude, locus of control, and the utilization of financial technology impact the financial management behavior of university students involved in entrepreneurship at Universitas Negeri Semarang. This study employs a quantitative research methodology, relying on primary data sources. The research population consists of students engaged in entrepreneurship who have a monthly income and utilize financial technology services. Sampling was conducted using a non-probability technique known as convenience sampling. Data collection involved the distribution of an online questionnaire to eligible respondents, resulting in a final sample of 142 participants. The data analysis employed the Structural Equation Modeling-Partial Least Square approach, utilizing SmartPLS 3.3 as the analytical tool. The findings revealed that financial knowledge, financial attitude, and locus of control positively and significantly influenced financial management behavior, whereas the use of financial technology had a negative and insignificant impact on financial management behavior.

Keyword : Financial attitude, financial knowledge, locus of control, personal financial management behavior, the use of financial technology.