Abstract

This research aims to empirically test the influence of financial literacy, attitudes, and experience on the financial behavior of managers at boarding schools in East Lombok Regency. The study utilizes primary data directly collected from respondents using questionnaires. The sample consists of 56 Islamic boarding schools in East Lombok Regency, selected based on the criteria of legal status and having more than 300 students by 2024. Partial Least Square (PLS) analysis is conducted using SmartPLS 4 software. The findings reveal that financial attitudes positively and significantly influence financial behavior. Conversely, financial experience does not show a significant effect on financial behavior. Interestingly, financial literacy exerts a significant yet negative impact on financial behavior, suggesting that simply increasing financial literacy does not automatically enhance favorable financial behavior among pesantren managers.

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