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The research was conducted to ascertain the influence of financial knowledge, financial behavior, and religiosity on personal financial distress in millennial generation group in City of Semarang. The research population was the millennial generation living in the city. The sampling technique applied was snowball sampling with 100 people aged 20 to 39 years as the sample. The analysis of research data was done through validity test, reliability test, multiple linear regression, classical assumption test, goodness of fit model test, and t test. The conclusions of the study were : Negatively and significantly financial knowledge influenced personal financial distress. negatively and significantly financial behavior influenced personal financial distress. Positively but insignificantly, religiosity influenced personal financial distress.

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The Effect of Financial Knowledge, Financial Behavior, and Religiosity on Personal Financial Distress in the Millenial Generation (Case Study in the Community of Semarang City)