Practical Evaluation of Rural Community Behavior in Managing Personal Finance Debrina Vita Ferezagia1

This study aims to evaluate the behavior of household financial management in rural areas. Also, researchers correlate the factors of age, type of work, education and income to financial behavior. Data wascollected by interviewing 60 random respondents directly in a village, using a standard questionnaire set by theIndonesian financial services authority (OJK). The analytical method used is descriptive statistics, one-wayanalysis of variance and Kruskal Wallis. Overall financial behavior is divided into 4 categories, namely goodbehavior, sufficient, bad and very bad. As many as 5.2% of respondents stated that they had good financialbehavior, 34% were quite good, 28.3% were bad and 32.1% were very bad. Based on the results of the one-wayanalysis, the income also has a significant influence on the financial behavior of the community with a value ofF = 3,348 (p = 0,000). This is different from the age factor which does not affect the financial requirements witha value of F = 1,284 (p = 0.289). Other factors influencing financial behavior are type of Work,𝜒2 = 18,954 (p= 0,000) and education factor 𝜒2 = 30,042 (p = 0,000). This research has practical implications for the publicregarding good financial behavior in financial management