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This research analyzes the financial management behavior of productive age groups in Bukittinggi. Samples of this study are 100 people of productive age community from 18 to 55 years old obtained by snowball sampling technique. The data analysis method is Structural Equation Modeling (SEM) using the AMOS program. The results showed that financial knowledge and income had a positive and significant effect on the behavior and personal financial management of productive age people in Bukittinggi, whereas locus of control had no effect in mediating the relationship between financial knowledge and income on personal financial management behavior of productive age people in Bukittinggi.

Financial Management Behavior at Productive Age Community in Bukittinggi