<![CDATA[This research is driven by the ongoing issues of inadequate discipline and inefficiencies in financial record-keeping, along with poor cash flow management faced by a majority of Micro, Small, and Medium Enterprises (MSMEs). These challenges can severely hinder their ability to operate effectively amid changing market conditions and fluctuations in basic commodity prices. This study aims to analyze the effect of financial knowledge, locus of control, and personality on financial management behavior among culinary MSME owners in North Jakarta. A quantitative approach was employed using a rule-of-thumb sampling technique, collecting data through questionnaires from 102 culinary MSME respondents in the region. The data analysis technique utilized Structural Equation Modeling based on Partial Least Squares (SEM-PLS). The results indicate that financial knowledge has a positive and significant effect on financial management behavior, locus of control has a positive and significant effect on financial management behavior, while personality has a negative and significant effect on financial management behavior. These findings indicate that the integration of financial literacy, internal control orientation, and personality stability constitutes a crucial determinant in shaping adaptive and measurable financial management behavior among business owners. This study carries significant implications for the development of behavioral accounting literature and serves as a valuable reference for government institutions in formulating educational and financial management assistance programs for MSMEs.]]>
