THE ROLE OF LIFESTYLE MODERATION IN FINANCIAL LITERACY AND INCOME ON GENERATION Z FINANCIAL MANAGEMENT (SURVEY ON SHOPEE PAY LATER USERS IN KUNINGAN REGENCY)

This study aims to determine and analyze the influence of Financial Literacy, Income and Lifestyle as Moderation variables on Personal Financial Management partially and moderately. The method used in this study is a descriptive and verification method using a quantitative approach method. The population in this study was Generation Z in Kuningan Regency, the sample used for the study was 100 respondents. The data collection technique used a questionnaire with a measurement scale using an interval scale. For data analysis in this study using Moderated Regression Analysis (MRA). The results of this study indicate that 1) Financial Literacy has a positive effect on Personal Financial Management, 2) Income has a positive effect on Personal Financial Management, 3). Lifestyle has a positive effect on Personal Financial Management, 4) Lifestyle does not moderate the effect of Financial Literacy on Personal Financial Management, 5) Lifestyle does not moderate the effect of Income on Personal Financial Management