The Influence of Financial Literacy, Financial Attitude, Lifestyle, and Financial Inclusion on Financial Behavior in MSMEs

This study aims to analyze the influence of financial literacy, financial attitudes, lifestyle, and financial inclusion on the financial behavior of MSMEs in Banyumas Regency. Financial behavior is an individual's ability to manage, plan, and control personal and business funds to achieve economic well-being. Using a quantitative approach, primary data was collected through questionnaires from 158 respondents selected using a purposive sampling technique from a population of 6,271 MSMEs. Data analysis was performed using the SEM-SmartPLS 3.0 tool from September to December 2025. The results showed that financial literacy, financial attitudes, lifestyle, and financial inclusion had a significant positive effect on financial behavior. These findings highlight the importance of increasing managerial training capacity through and utilizing access to formal financial services to strengthen the financial resilience of MSMEs. This research provides an important contribution to the development of financial management theory and the formulation of regional economic training policies.