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All Journal ETIKONOMI Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Ilmu Manajemen (JIM) Abdimas UNEJ e-Proceeding Jurnal Pemberdayaan Masyarakat Madani (JPMM) Jurnal Riset Akuntansi dan Keuangan JRMSI - Jurnal Riset Manajemen Sains Indonesia Jurnal Abdi Insani Manajemen Bisnis Journal of Social Responsibility Projects by Higher Education Forum BISMA (Bisnis dan Manajemen) Inspirasi: Jurnal Pengabdian dan Pemberdayaan Masyarakat
Yuyun Isbanah
Univeritas Negeri Surabaya
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Journal : Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK)

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STUDENTS' SAVING BEHAVIOUR: WHAT ARE THE MOTIVES THAT INFLUENCE THEM TO SAVE? Ulil Hartono; Yuyun Isbanah
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol 11, No 3 (2022): Jurnal Ekonomi Bisnis dan Kewirausahaan
Publisher : Fakultas Ekonomi dan Bisnis, UNTAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (539.714 KB) | DOI: 10.26418/jebik.v11i3.56561

Abstract

This study aims to determine the determinants of saving behavior using financial literacy as a mediating variable. The endogenous variable in this study was saving behavior, while the exogenous variables were financial literacy, parental socialization, peer influence, and self-control. The respondents were 300 students from the Faculty of Economics of Indonesia. Data were analyzed by Structural Equation Modelling (SEM) using STATA software. The results show that parental socialization and peer influence positively affect financial literacy, whereas self-control does not. Financial literacy directly affects saving behavior. Parental socialization and peer influence directly influence saving behavior.  The results provide a new understanding of the importance of financial literacy in encouraging student-saving behavior.  The role of parents and peers in the environment is essential for improving students’ financial literacy and saving behavior. The banking industry can play a role in increasing financial literacy through collaboration with universities through a virtual account program and the socialization of savings to students. It is also an opportunity for saving service providers to introduce their products to consumers early.JEL : G41, G410.ABSTRAKTujuan penelitian ini untuk mengetahui determinan dari saving behaviour dengan menggunakan financial literacy sebagai variabel mediasi. Variabel endogen dalam penelitian ini adalah saving behaviour sedangkan variabel eksogen, yaitu financial literacy, parental socialization, peer influence, dan self-control. Responden penelitian ini adalah 300 mahasiswa Fakultas Ekonomi di Indonesia. Data dianalisis dengan Structural Equation Modeling (SEM) menggunakan software STATA. Hasil penelitian menunjukkan bahwa parental socialization dan peer influence berpengaruh positif terhadap financial literacy, sedangkan self-control berpengaruh negatif terhadap financial literacy. Financial literacy juga terbukti berpengaruh secara langsung pada saving behaviour. Parental socialization dan peer influence juga memiliki pengaruh langsung pada saving behaviour. Penelitian ini memberikan pemahaman baru mengenai pentingnya literasi keuangan untuk mendorong perilaku menabung bagi mahasiswa. Peran orang tua dan teman sebaya menjadi faktor penting dalam menumbuhkan literasi keuangan dan perilaku menabung mahasiswa. Industri perbankan dapat berperan dalam meningkatkan financial literacy melalui kerjasama dengan universitas dalam bentuk program virtual account sekaligus untuk sosialisasi tabungan ke mahasiswa. Ini juga menjadi peluang bagi penyedia layanan tabungan untuk memperkenalkan produknya ke konsumen lebih dini.Kata Kunci: literasi keuangan, peer influence, parental socialization, self-control, saving behaviour.
Co-Authors Achmad Kautsar Achmad Nizar Hidayat Ahmad Hilmy Akhadiyah, Lailatul Amelia, May Anang Kistyanto Andre Dwijanto Witjaksono Ardiansyah, Ivan Budiono Budiono Caesar, Jenny Aghnia Dias Nikmatus Sholihah Eldina Meridelima Fandi Fathoni Fandi Fatoni Hafidz, Maulana Faizal Harianto, Sustiko Ika Diyah Candra Arifah Jenny Aghnia Caesar Lailatul Akhadiyah Maghfiroh, Refiana Dwi Mahra Fairus Fatami Hajar Maulana Faizal Hafidz May Amelia Meridelima, Eldina Metalaras Saputri Musdholifah Nabila Ganes Putri Utami Nadya Fernanda Salsabilla Novia Dewanty Prabowo, Prayudi Setiawan Purwohandoko Purwohandoko Qur'anna, Wella Wahyu R.A. Sista Paramita Ratna Diyah Susanti Refiana Dwi Maghfiroh Salsabilla, Nadya Fernanda Saputri, Metalaras Sustiko Harianto Tony Seno Aji Trias Madanika Kusumaningrum Ulil Hartono Wella Wahyu Qur'anna