ABSTRACT
This study investigates the financial management behavior of Generation Z, aged 18–25 years. This study also analyzes the relationship between self-control, future orientation, and self-control and future orientation moderated by income. The object of this research is Generation Z in Malang City, and it uses a simple random sampling technique. The number of respondents obtained was 100 by distributing questionnaires offline and online. This study uses multiple linear regression analysis techniques and moderation regression analysis. The results of the survey show that self-control and future orientation have a positive and significant effect on the financial management behavior of Generation Z. Still if selfcontrol and future direction are moderated by income, they have no impact on the financial management behavior of Generation Z. This is due to the level of income and the number of dependents. Different for each individual. Besides that, high income does not guarantee the individual has a future orientation from now on.
