Analysis the Influence of Financial Literacy, Social Environment and Self-Control on Saving Behavior

Nazeera Rasheeda Rifnuputri, R. Hendri Gusaptono, Shinta Heru Satoto

Abstract


This study aims to determine the influence of financial literacy, social environment, and self-control on students' saving behavior. The study employs a quantitative approach with a questionnaire method. The sample consists of 125 active students at the Universitas Pembangunan Nasional "Veteran" Yogyakarta. The results of this study indicate that: (1) Financial literacy, social environment, and self-control collectively have a positive influence on saving behavior, evidenced by an F-statistic of 54.872 with a significance level of 0.000; (2) Financial literacy positively influences saving behavior, as shown by a t-value of 2.376 and a positive regression coefficient of 0.147; (3) The social environment negatively influences saving behavior, as indicated by a t-value of 2.742 and a negative regression coefficient of 0.171; (4) Self-control positively influences saving behavior, demonstrated by a t-value of 11.656 and a positive regression coefficient of 0.865. The data analysis method used in this research is multiple linear regression, utilizing IBM SPSS Statistics 25 software.

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References


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