(11) Financial Literation has significant effect on Financial Quotient. (10) Financial Inclusion has significant effect on Financial Quotient. (9) Financial Inclusion has significant effect on Financial Literation. (8) Financial Planning has significant effect on Financial Quotient. (7) Financial Planning has significant effect on Financial Literation. (6) Emotional Quotient has significant effect to Financial Quotient. (5) Emotional Quotient has significant effect to Financial Literation. (4) Spiritual Quotient has significant effect to Financial Quotient. (3) Spiritual Quotient has significant effect on Financial Literation. (2) Financial Behavior has no significant effect on Financial Quotient. The results showed that: (1) Financial Behavior has no significant effect on Financial Literation. SEM-based covariance generally test the causality / theory while PLS is more predictive model. PLS is an alternative approach that shifts from a Covarian-based SEM approach to a variance-based. For this study data analysis using Partial Least Square (PLS) approach. Data collection method used is questionnaire method. The research design used in this research is survey method. Another term saturated sample is the census, where all members of the population are sampled. Sampling Technique in this research use Saturation Sampling technique that is sample determination technique when all member of population used as sample. This research was conducted in Marine Base Defense Battalion V Surabaya and the number of samples used as many as 100 respondents.

In addition, they also serves as a housewife who experienced problems that are almost often faced by other housewives namely the problem of managing family cash flow, debt management and taking care of monthly investment. Second, a wife hold the responsibility of managing family finances when the husband is on duty.

This research is focused on the wife of Marine Base Defense Battalion V Surabaya because it has a double role, the first role in supporting the duties and responsibilities of husbands who need full support from family, especially wife. The purpose of this research is to get empirical evidence about the influence of Financial Behavior, Spiritual Quotient, Emotional Quotient, Financial Planning, Financial Inclusion Against Financial Literation and Financial Quotient for Wives of Marine Soldiers at Base Defense Battalion V Surabaya.

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