Daftar Isi:
  • According to the East Java Statistics Agency, the household's financial condition was in a deficit because spending was greater than income. The gate area of Kertasusila is an area of East Java that has high economic productivity, especially the areas of Surabaya, Sidoarjo, Gresik and Mojokerto. This study aims to determine the effect of spiritual intelligence, income level, and financial literacy mediated by behavioral intentions on family management in the region. There are 200 questionnaires distributed in person and online. Questionnaire data that can be processed amounted to 173 respondents using the SEM-PLS analysis technique. The results of this study indicate that all variables have a positive effect except financial literacy on family financial management.