<![CDATA[This study aims to examine and analyze the influence of financial literacy, financial experience, and income level on family financial behavior in Mataram City with locus of control as a mediating variable. Data were obtained using purposive sampling from 270 housewife respondents who manage family finances and analyzed using Structural Equation Modeling with a Partial Least Square approach (SEM-PLS). The results showed that financial literacy and income level had a positive and significant effect on financial behavior, while financial experience had no significant effect. In addition, locus of control was unable to mediate the relationship between financial literacy, financial experience, and income level on financial behavior. These results indicate that external factors such as literacy and income levels are more dominant in influencing financial behavior than internal psychological factors such as locus of control. Thus, financial literacy and economic capacity are very important in shaping healthy financial behavior.]]>
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