%A NIM.: 20108030147 Azalika Muhammad Nur %O Hilmy Baroroh, S.E.I., M.E.K. %T DETERMINAN PENGELOLAAN KEUANGAN GENERASI Z DI KABUPATEN BERAU KALIMANTAN TIMUR %X This study aims to examine the influence of Islamic financial literacy, spiritual intelligence, self-control, and financial socialization on financial management of generation Z. This study used quantitative methods and data were collected from 118 responden who are generation Z in Berau Regency. Data analysis was conducted with PLS-SEM using SmartPLS 4 software. The result of this study indicate that spiritual intelligence, self-control, and financial socialization have a positive and significant influence on financial management. However, Islamic financial literacy does not have a significant influence on financial management. This finding emphasizes the importance of spiritual intelligence, self-control, and financial socialization in improving financial management skills in generation Z. %K Generasi Z, Pengelolaan Keuangan, Literasi Keuangan Syariah, Kecerdasan Spiritual, Kontrol Diri, Financial Socialization %D 2025 %I UIN SUNAN KALIJAGA YOGYAKARTA %L digilib74615