This study aims to determine the effect of financial literacy and income on financial behavior in micro, small and medium enterprises in the village of Ciherang Pondok, Bogor Regency. the population in this study were all micro, small and medium enterprises in the village of Ciherang pondok, amounting to 99 businesses. the sample size used was 80 respondents with a probability sampling method, especially simple random sampling. The data collection is used through questionnaires. The analysis technique used is the descriptive analysis method with index. the results of this study indicate that financial literacy, locus of control and income have a significant effect on financial behavior.