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  <title>Personal Financial Management Behavior Based on Financial Knowledge, Locus of Control, and Income (Empirical Study of Demak Regency Community)</title>
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  <namePart>Hikmah</namePart>
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   <dateIssued>2019</dateIssued>
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 <note>This study aims to examine the effect of financial knowledge, locus of control and income on&#13;
personal financial management behavior. The population of civil servants and private sector&#13;
in Demak Regency, the number of samples consisted of 99 respondents. The sample method&#13;
used is multi-stage sampling, using stratified sampling and convenience sampling. Analysis&#13;
using multiple linear regressions. The results showed that financial knowledge did not&#13;
significantly influence personal financial management behavior, locus of control and income&#13;
had a significant effect on personal financial management behavior.</note>
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