Adhitya Maulana Sahputra, Thomas Sosecco, and Vika Annisa Qurrata, “Role Of Mediating Consumption Behavior in The Influence of Saving Behavior on Financial Management Ability Among Generation Z Student in Malang City”, Equivalent , vol. 4, no. 1, pp. 386–396, Jan. 2026, doi: 10.61994/equivalent.v4i1.1480.