Abstract :
This research is using a descriptive quantitative study that aims to see and analyze the influence of financial literacy, financial inclusion, and financial technology on the financial behavior of SMEs in Sekupang District. This research uses SMEs in Sekupang District as samples with non-probability sampling technique thus using the entire population as a sample consisting of 54 MSME
actors in Sekupang District. Smart PLS 3.0 Software and Microsoft Office Excel software are used on the Hypothesis testing. The results obtained from the
examiners are (1) There is a significant effect of Financial Literacy on Financial Behavior, (2) There is no significant effect of Financial Inclusion on Financial behavior, (3) There is no significant effect of Financial Technology on Financial behavior.