Abstract:
Nowadays, good financial management behaviour requires special attention from individuals because the financial
management behaviour aspect has a significant effect on their life. Very few researches are being performed in Sri Lanka
for factors influencing on personal financial management behaviour of employees. So, there is an empirical knowledge
gap that exists in explaining factors influencing on personal financial management behaviour of employees. Hence, the
study conducts to narrow this empirical gap. The objectives of this study are to identify the level, relationship and impact
regarding financial knowledge, financial attitude, and locus of control on personal financial management behaviour. To
achieve these objectives, the stratified sampling method is used as a sample of the study which was conducted among
191 employees from Commercial Bank. However, 159 respondents were analyzed by using descriptive, correlation
analyses and regression analyses. The findings show that high level of financial knowledge, financial attitude, locus of
control and personal financial management behaviour. There is a significant positive relationship between financial
knowledge, financial attitude and locus of control with personal financial management behaviour. There is a significant
impact of financial knowledge, financial attitude and locus of control on personal financial management behaviour.
