THE EFFECT OF FINANCIAL KNOWLEDGE AND FINANCIAL PLANNING ON FINANCIAL SKILLS WITH POCKET MONEY AS A MODERATING VARIABLE IN GENERATION Z (CASE STUDY ON STUDENTS OF THE FACULTY OF ECONOMICS AND BUSINESS, UNIVERSITY OF MUHAMMADIYAH SURAKARTA)

In Indonesia, financial knowledge is known to improve welfare. However, it turns out that many still do not have and understand knowledge about excellent and correct financial Management. So they cannot plan and manage the use of money that can be used to achieve life goals. A mindset that does not care about financial concepts can have a harmful impact. The type of research used is quantitative research. The survey method was chosen as the primary data source. Financial knowledge and financial planning have a positive and significant effect on financial skills. And pocket money can influence financial knowledge and financial planning on financial skills. The results of this study contribute to understanding the impact of financial knowledge and financial planning on financial skills with pocket money as a moderating variable in Generation Z.