Determinants of Financial Behavior of Tarakan�s Society

The objective of the research is to explore and understand the phenomena of financial literacy, financial attitude, locus of control, and financial behavior possessed by the Tarakan society. The research will be carried out using qualitative methods through interviews with informants. The results of the research show that the financial literacy of the informants is quite high. The financial attitude of the majority of informants prioritizes consumer wants over investment, which is caused by the informants locus of control, which tends to be loose. This causes most of the ten informants to have financial behavior that tends to be consumptive.