<![CDATA[This research is research used to measure the influence of financial literacy, religion, risk and locus of control on financial distress in the millennial generation in Bekasi City. This research is quantitative research where the objects used are the millennial generation in Bekasi City. The technique used uses a probability sampling technique using the Slovin formula. The number of samples used in this research was 132 respondents. The design used in this research is hypothesis testing using the structural equitation model (SEM) - SmartPLS 4.0. The results of this research provide an explanation that each variable in this research, namely financial literacy, religion, risk and locus of control, has an influence on financial distress. This research has the limitation of the research object being that it was only carried out on the millennial generation in Bekasi City. This can be a suggestion for future researchers. The novelty in this research combines the variables of financial literacy, religion, risk and locus of control on financial distress in the millennial generation in Bekasi City]]>
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