<![CDATA[ABSTRACT Introduction: Financial management behavior is an important determinant of individual financial well-being, particularly among civil servants who have relatively stable income but face diverse financial needs and obligations. This study examines the role of financial literacy, socioeconomic status, and emotional intelligence in improving financial management behavior among civil servants in Gunungkidul, Indonesia. Methods: This research uses quantitative methods using purposive sampling and saturated sampling methods. The population in this study were all permanent employees of the Gunungkidul Regional Secretariat totaling 121 employees. The number of samples obtained amounted to 121 respondents. The data used is primary data through distributing questionnaires. The data analysis technique in this study uses validity test, reliability test, multiple linear regression analysis, T test, and determination coefficient test R Results: The findings indicate that financial literacy has a positive effect on financial management behavior, demonstrating that individuals with better financial knowledge tend to manage income, expenditure, saving, and financial planning more effectively. Socioeconomic status also contributes to financial management behavior by providing greater financial resources and supporting better financial decision-making. Furthermore, emotional intelligence positively influences financial management behavior, indicating that the ability to regulate emotions and control impulses facilitates more responsible financial decisions. Conclusion and Suggestion: Financial literacy, socioeconomic status, and emotional intelligence are important factors in strengthening financial management behavior among civil servants. Financial education programs should therefore integrate financial knowledge with emotional and behavioral skills while considering individuals’ socioeconomic conditions.]]>
