The Influence of Demography, Social Environment and Financial Self-Efficacy toward Saving Behavior (original) (raw)

Proceedings of the 2nd Social Sciences, Humanities and Education Conference: Establishing Identities through Language, Culture, and Education (SOSHEC 2018)

This study aims to examine the influence of demography, social environment, and financial selfefficacy on the saving behavior. Demographic variables consist of gender, age, education level, income, marital status, and number of dependents. Meanwhile, the social environment variable consists of parents and peers. The sample was 220 people in Surabaya. Data were collected using questionnaires. The analysis technique used was multiple linear regression. The result of this analysis showed that in the demographics, only income that have positive effect on saving behavior. The social environment variables explained that parents give positive effect and peer has no effect on saving behavior. Meanwhile, financial self-efficacy has a positive effect on saving behavior.

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