Pola penggunaan remitansi lebih dominan pada pembelanjaan konsumtif mengindikasikan bahwa keluarga TKI belum mampu mengelola keuangan secara baik dan benar. Oleh sebab itu, pengelolaan keuangan keluarga TKI merupakan masalah menarik untuk diteliti menggunakan berbagai sudut pandang ilmu pengetahuan, salah satunya adalah ilmu manajemen. Penelitian ini bertujuan untuk menganalisis pengaruh financial attitude, financial knowledge, financial self-efficacy, locus of control, personality traits , dan sprititual intelligence terhadap financial management behavior keluarga TKI di Kabupaten Ponorogo.

Penelitian ini termasuk dalam jenis penelitian kausalitas dengan jenis data kuantitatif dan sumber data primer. Teknik pengambilan sampel menggunakan metode purposive sampling dengan jumlah sample sebesar 220 responden. Objek penelitian ini adalah masyarakat Ponorogo yang berusia minimal 18 tahun dan menerima remitansi dari keluarganya yang bekerja di luar negeri. Data dihimpun menggunakan kuesioner penelitian, kemudian dianalisis dengan teknik analisis regresi linier  berganda menggunakan IBM SPSS versi 23.

Hasil penelitian menunjukkan variabel financial attitude, financial knowledge, financial self-efficacy, locus of control, personality traits dan spiritual intelligence secara simultan berpengaruh terhadap financial management behavior keluarga TKI di Kabupaten Ponorogo. Secara parsial, financial attitude tidak berpengaruh terhadap financial management behavior. Variabel financial knowledge memiliki pengaruh terhadap financial management behavior keluarga TKI di kabupaten Ponorogo. Dengan demikian semakin baik pengetahuan keuangan seseorang, maka perilaku mengelola keuangannya semakin tepat. Variabel financial self-efficacy tidak berpengaruh terhadap financial management behavior.  Locus of control tidak berpengaruh terhadap financial management behavior. Personality traits tidak berpengaruh terhadap financial management behavior. Spiritual intelligence tidak memiliki pengaruh terhadap financial management behavior. 

The pattern of the use of remittances which is more dominant in consumptive spending indicates that the families of TKI haven’t been able to manage finances properly and correctly. Therefore, the financial management of family migrant workers is an interesting problem to study using various scientific perspectives, one of which is management science. This study aims to analyze the effect of financial attitude, financial knowledge, financial self-efficacy, locus of control, personality traits, and spiritual intelligence on financial management behavior of TKI families in Ponorogo Regency.

This research belongs to the type of causality research with quantitative data types and primary data sources. The sampling technique used purposive sampling method with a sample size of 220 respondents. The object of this research is the Ponorogo community who are at least 18 years old and receive remittances from their families who work abroad. Data was collected using a research questionnaire, then analyzed by multiple linear regression analysis using IBM SPSS 23.

The results showed financial attitude, financial knowledge, financial self-efficacy, locus of control, personality traits and spiritual intelligence variables simultaneously influenced the financial management behavior of TKI families in Ponorogo Regency. Partially, financial attitude doesn’t affect the financial management behavior. Financial knowledge variables have an influence on the financial management behavior of TKI families in Ponorogo district. Thus the better the financial knowledge of a person, the more effective the behavior of managing finances. Financial self-efficacy don’t affect the financial management behavior. Locus of control doesn’t affect the financial management behavior. Personality traits don’t affect the financial management behavior. Spiritual intelligence has no influence on the financial management behavior.