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Financial problems are common problems felt by many people, ranging from difficulties in finding money, expenses that are greater than income, increased debt, to declining income. However, low financial literacy is one of the factors that trigger these financial problems. Financial literacy itself refers to the ability of individuals to understand and manage personal finances well. In that context, this thesis aims to examine the influence of family socioeconomic status (X), education level (W), and gender (Z) on the financial literacy (Y) of the community in Tanah Datar Regency. This study used quantitative methods using questionnaires as data collection instruments. Data obtained from 200 respondents in Tanah Datar District were analyzed using the Hayes Process Models regression analysis technique to examine the relationship between independent variables (family socioeconomic status) and moderator variables (education level and gender) with dependent variables (financial literacy). The effect of income, employment, asset ownership, education level, and gender on people's financial literacy levels was examined separately and together. The results showed that simultaneously, socioeconomic status and education level had a positive and significant effect on financial literacy. However, there was no significant effect of gender factors on financial literacy. Therefore, it can be concluded that family socioeconomic status and education level have a positive and significant relationship with the financial literacy of the people in Tanah Datar Regency. These factors can be used as guidelines in designing educational programs and policies that aim to improve financial literacy in the community. In addition, it is important to realize that gender differences do not have a significant impact on financial literacy, so efforts to improve financial literacy must involve all members of society regardless of gender. Therefore, an inclusive approach is needed in an effort to improve financial literacy, so that all people can understand and manage their personal finances well. That way, it is hoped that people can overcome the financial problems they face, and ultimately have a better financial condition.
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