Forming Student's Saving Behaviour through Financial Literacy, Parental Financial Education, and Self Control (original) (raw)
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2017
Financial literacy consists of financial knowledge, financial attitudes, and financial behavior. To be financially literate is important in order to make a good financial decision. Young adult especially college students are facing tough financial decision in today’s demanding financial environment which will affect their financial behavior. This research objective is to find out the influence of financial literacy on financial behavior and how financial behavior influences on financial decision among college students. The research applied quantitative method with 337 samples as respondents taken from President University students. This research applied convenience sampling technique. The results of this research show that there’s a significant relation between financial literacy to financial behavior and from financial behavior to financial decision. Since parents are the first people for the children, they should give good understanding about financial matter towards their childre...
Proceedings of the 7th Progressive and Fun Education International Conference (PROFUNEDU 2022), 2022
The development of information technology encourages practical life among students, one of which is online shopping, the shopping system is allegedly having a low impact and a wasteful life. In terms of economics, students who do not yet have income but do not have good financial management skills, live extravagantly. This research aims to analyze the effect of financial literacy, family environment and pocket money on financial management of students at Muhammadiyah University of Surakarta. In accordance with the formulation of the problem, the right type of research is quantitative with a survey design, research subjects are active students who take financial management courses, questionnaire research instruments, random sampling is carried out using questionnaires distributed via google form as an instrument in the technique data collection. The data analysis technique used is multiple regression analysis. The results include 1) financial literacy has a positive and significant effect on student financial management, 2) family environment has a positive and significant effect on student financial management, 3) pocket money has a negative effect on student financial management, however, 4) financial literacy, family environment, and pocket money simultaneously have an influence on the financial management of students.
Transekonomika: Akuntansi, Bisnis dan Keuangan
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Journal of Accounting and Finance in Emerging Economies, 2018
This is an explanatory study on the impact of financial literacy and parental socialization on the saving behavior of university level students. Using primary data collection method, 400 questionnaires were distributed to the students of universities across Pakistan. Pearson correlation and multiple regression analysis are employed by using SPSS. Our results demonstrate that financial literacy and parental socialization positively influence the saving behavior of students. Our result revealed that the students who have financial literacy exhibit more saving behavior as compared to others who do not have financial knowledge. It is also concluded that the student willingness to save increased due to receiving financial education from their parents.
https://www.ijrrjournal.com/IJRR\_Vol.9\_Issue.1\_Jan2022/IJRR-Abstract053.html, 2022
Saving can be used as an investment for most people today considering the diverse needs of each person. Conditions of uncertainty make people aware that saving is a solution to prepare for future crises that may be higher. Saving is done by the general public in the hope of saving and setting aside a portion of the income that can be used for future needs. The purpose of this study was to determine and analyze the effect of financial literacy, financial inclusion, and financial attitude on saving behavior with self control as moderation. The data used are primary data obtained directly from respondents, amounting to 90 respondents. The sampling method used is probability sampling, with a sampling technique that is Simple Random Sampling. Questionnaires that have been filled out by respondents are analyzed by quantitative analysis methods, then used smartPLS is used as an analytical tool. The results of this study indicate that financial literacy has an insignificant effect on saving behavior, financial inclusion has no significant effect on saving behavior, financial attitude has a positive and significant effect on saving behavior and self control is not significant as a moderator of the relationship between financial literacy, financial inclusion and financial attitude towards saving. behavior.
Economic Education Analysis Journal
Financial behavior is an important thing to pay attention to, with good financial behavior a person will beable to meet his needs both from the short and long term. The purpose of this study was to determine and analyze the effect of financial literacy, income and self-control on thelimited financial behavior of generation Z. The population of this study is generation Z in Bekasi Regency. This studyused quantitative research with data collection techniques using questionnaires. The sampling technique in this study is by using urposive sampling techniques, so that the number of samples inthis study was 100 respondents. And the technique of data analysis inthis research is using Structural Equation Modelling (SEM) withthe help of SmartPLS version 4.0 for windows. The results of this study found that financial liability variables have a negative and insignificant effect on financial behavior in generation Z in Bekasi Regency, income variables have a positive and significant effec...
Model Development of Savings Behavior for Bali State Polytechnic Students
Proceedings of the International Conference On Applied Science and Technology 2019 - Social Sciences Track (iCASTSS 2019)
This research aims to determine the model development of savings behavior for Polytechnic students in terms of financial literacy, self-control, socialization of parents, peers, savings motive and income. This research is an associative study with a quantitative approach. The population in this study were 4,630 students from the three-year force of the Bali State Polytechnic. Samples taken were 98 students using proportional random sampling technique. Testing the analysis prerequisites includes tests of normality, linearity, multicollinearity and heteroscedasticity. The data analysis technique used is multiple regression analysis. The results showed that beside the peers variable is no effect in the model, there are a positive and significant impact of financial literacy, self-control, parental socialization, saving motives, and income on savings behavior of Bali State Polytechnic students.
Economic Education Analysis Journal
The purpose of this study was to analyze the effect of financial literacy, parents’ social economic and student lifestyle on students’ personal financial management. This study used quantitative methods and data analysis techniques of Structural Equation Modeling using SmartPLS 3.0 software. The research sample used a random sampling method. The data used primary data collected through a questionnaire. The number of returned and valid questionnaires was 220 samples. The data was processed by using SEM. The results of the study concluded that financial literacy had a significant effect on students’ personal financial management, student lifestyle had a significant effect on students’ personal financial management, and parents’ social economics had a significant effect on students’ personal financial management. The novelty of this research was the Correlation model of financial literacy, parents’ social economic and student lifestyle on students’ personal financial management. The re...
PUBLIC POLICY (Jurnal Aplikasi Kebijakan Publik & Bisnis)
This study was conducted to examine the effect of the variables Influence of financial literacy, self control and parents' socio economic status on the consumptive behavior of Korean Pop (K-Pop) fan students in Jayapura City. The population of this study were students who were fans of k-pop music in the city of Jayapura who followed the Army_Jayapura Instagram as many as 207 people. Based on the purposive sampling technique, a sample of 104 people was obtained. This study uses descriptive quantitative methods obtained from distributing questionnaires through google form. The analysis technique used is multiple linear regression. The results of the study show that: (1) Financial literacy has a significant effect on consumptive behavior. (2) Self control has a significant effect on consumptive behavior. (3) Parents' socio economic status has no effect on consumptive behavior. (4) Financial literacy, self control and socio economic status of parents have a significant...