<![CDATA[Abstrak Tujuan penelitian ini adalah untuk mengukur pengaruh financial literacy, pemanfaatan aplikasi keuangan serta kompetensi dari pegawai pengelolah keuangan kantor pusat Universitas Negeri Manado terhadap kinerja pegawai pengelolah keuangan di universitas negeri Manado. Penelitian ini menggunakan rancangan penelitian kuantitatif dengan menggunaka alat analisis jalur atau path analysis. Hasil penelitian kemudian menghasilkan pengaruh signifikan financial literacy terhadap kinerja pengelolah keuangan Universitas Negeri Manado, hasil selanjutnya terdapat pengaruh signifikan dan positif antara financial Literacy terhadap pemanfaatan aplikasi keuangan, pengaruh positif dan signifikan antara pemanfaatan aplikasi keuangan terhadap kinerja pengelolah keuangan, Financial Literacy berpengaruh positif signifikan terhadap Kompetensi pegawai pengelola keuangan di Universitas Negeri Manado, Financial Literacy berpengaruh positif signifikan terhadap kinerja pegawai pengelola keuangan melalui kompetensi pengelolah keuangan di Universitas Negeri Manado. Aplikasi Keuangan berpengaruh positif signifikan terhadap kinerja pegawai pengelola keuangan melalui kompetensi pengelolah keuangan di Universitas Negeri Manado Kata kunci : Financial Literacy, Aplikasi Keuangan, Kompetensi, Kinerja Pengelolah Keuangan Abstract The purpose of this study was to measure the effect of financial literacy, use of financial applications, and the competence of financial management employees at the Manado State University headquarters on the performance of university financial management employees in Manado. This study uses a quantitative research design using path analysis tools. The results of the study then resulted in a significant effect of financial literacy on financial management at Manado State University, the next result there was a significant and positive influence between financial literacy on the use of financial applications, a positive and significant effect between the use of financial applications on the performance of financial managers, Financial Literacy had a significant positive effect on competence financial management employees at Manado State University, Financial Literacy has a significant positive effect on the performance of financial management employees through financial management competencies at Manado State University. Financial applications have a significant positive effect on the performance of financial management employees through financial management competencies at Manado State University Keywords: Financial Litarcy, Financial Applications, Competence, Financial Manager Performance]]>
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