Faktor-Faktor Yang Memengaruhi Perilaku Menabung Di Kalangan Mahasiswa

Sirine, Hani; Utami, Dwi

doi:10.24914/jeb.v19i1.479

Cited by 37 publications

(48 citation statements)

References 14 publications

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“…Teori Harrod-Domar (dalam Wahana, 2014), menyatakan tingginya tingkat pertumbuhan ekonomi dipengaruhi oleh investasi dan tabungan yang tinggi pula. Teori yang sama oleh Rostow (dalam Sirine & Utami, 2016), menjelaskan suatu negara yang memiliki tingkat perekonomian yang kuat ialah dengan adanya tingginya tabungan masyarakat yang juga akan diperkuat dengan adanya investasi. Dalam siaran pers Widjanarko (2019) Direktur Eksekutif Bank Indonesia juga menyatakan bahwa akan terus berupaya mendorong perekonomian Indonesia dengan meningkatkan investasi untuk memitigasi perlambatan perekonomian dunia.…”

Section: Pendahuluanunclassified

Self-Control Sebagai Moderasi Antara Pengetahuan Keuangan, Financial Attitude, Dan Uang Saku Terhadap Perilaku Menabung

Mardiana

Rochmawati

2020

JPIS

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The aim of this study is to investigate how financial knowledge, financial attitude, and pocket money can affect saving behavior with self-control as a moderate variable. This study adopted a quantitative approach. The population in this study was 298 students of Accounting Education Department at the State University of Surabaya with a sample of 178 students. The data collection methods were closed tests and questionnaires. The data were analyzed using Structural Equation Modeling (SEM) based on component partial least square (PLS) with the help of the WarpPLS 6.0 application. The results of the study show that: 1) financial knowledge does not significantly affect saving behavior and this is proven by p-value 0,348 ≥ significant 0,05. 2) Financial attitude does not significantly affect saving behavior and this is proven by a p-value 0,225 ≥ 0,05. 3) pocket money has a significant impact on interest-bearing pocket money and this is demonstrated by p-value 0,001 ≤ 0,01 and Path Coefficient 0,754. 4) Self-control as moderating does not have a significant impact on saving behavior and this is proven by a p-value 0,148 ≥ 0,05. 5) Self-control is unable to modify the impact of financial knowledge on saving behavior and this is demonstrated by p-value 0 results, 0,207 ≥ 0,05. 6) Self-control can modernize financial attitude with saving behavior and this is proven by p-value 0,023 ≤ 0,05. 7) Selfcontrol can modify the effect of pocket money on saving behavior and this is demonstrated by a p-value 0,047 ≤ 0,05.

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Section: Pendahuluanunclassified

Self-Control Sebagai Moderasi Antara Pengetahuan Keuangan, Financial Attitude, Dan Uang Saku Terhadap Perilaku Menabung

Mardiana

Rochmawati

2020

JPIS

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“…Following the theory of planned behavior (TPB), it is stated that subjective norm is one of the factors influencing saving behavior in which parties related to subjective norms come from their immediate environments such as parents, family, or teachers. Thus the role is potentially empowered to encourage saving behavior (Jamal et al, 2015); (Widyastuti et al, 2016); (Garcia et al, 2011); (Sirine & Utami, 2016). Based on these studies, it is concluded that the family environment has a strong influence on saving behavior so that to foster children's behavior it is necessary to involve those who have closest relationship to the children.…”

Section: Methodsmentioning

confidence: 99%

Stakeholder Participation in Growing Spirit of Saving for Children in Beji Timur, Depok

Nuringsih

Natsir

2021

jice

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In line with the Indonesian money-saving campaign, community service activities were carried out to foster interest in money-saving among kindergarten students in Beji Timur, Depok. These activities had been carried out since the end of March and ended in June 2021 as the culmination of the theme “Ayo Menabung”(let's save money), with the target audience of Raudhatul Athfal Toufiqurrahman students. The community service partner was BRI Agroniaga Depok Branch which provided facilities for opening student saving accounts and sponsoring other educational activities. A total of 32 saving accounts had been realized, and in June 2021, the peak of the “Ayo Menabung” event was held in the form of the practice of money deposit in a bank. Each student has an account opened with an initial deposit of IDR.20,000, then in the practice of saving, each student was given IDR.200,000 to be deposited in their accounts. During the evaluation period, another IDR.30,000 was added, so that each student had a total saving of IDR.250,000. As a continuation, the children would maintain their savings account independently, facilitated through a pick-up service from the bank, supported by motivation from parents and teachers to keep the children's consistency in saving money. Because it was still in a pandemic situation, bank tellers or customer service staffs would come to school to serve the children practicing money deposit. Through this community service, the children got new knowledge about banking and the benefits of savings. In addition, it also provided financial knowledge to the parents and teachers. There was almost no significant problem in the implementation of the service activities, except for the constraints more related to the Covid-19 pandemic so that there was a necessary extra effort for activities to coordinate related parties. The commitment and participation of stakeholders in information dissemination and actualization of student money-saving practices can foster a culture of money-savings while the collaboration creates a mechanism to ensure sustainable money-saving habit among children.

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“…The dependent variable (Y) in this study was the behaviors of saving money. Such behavior used in this study was measured through the statements of Sirine [13]. The independent variable in this study was gender (X1), the measurement of which was based on the research conducted by Kostakis [14]; age (X2) which was measure through scoring based on Popovici's [14] study; education level (X3) which was measured scoring based on the study done by Margaretha [16]; income (X4) which was measured through scoring based on the study carried out by Ida [17]; marital status (X5), the measurement of which was based on the study done by Kostakis [14]; amount of burden (X6), which was measured though burden ratio.…”

Section: Social Cognitive Theorymentioning

confidence: 99%

“…Parents (X7) and peers (X8) were measured by Sirine's statements [13] that have been adapted. Financial self-efficacy (X9) in this study was measured by Farrel's statement [19].…”

Section: Social Cognitive Theorymentioning

confidence: 99%

The Influence of Demography, Social Environment and Financial Self-Efficacy toward Saving Behavior

Dewi¹,

Asandimitra²

2018

Proceedings of the 2nd Social Sciences, Humanities and Education Conference: Establishing Identities Through Language, Culture,

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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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Faktor-Faktor Yang Memengaruhi Perilaku Menabung Di Kalangan Mahasiswa

Cited by 37 publications

References 14 publications

Self-Control Sebagai Moderasi Antara Pengetahuan Keuangan, Financial Attitude, Dan Uang Saku Terhadap Perilaku Menabung

Self-Control Sebagai Moderasi Antara Pengetahuan Keuangan, Financial Attitude, Dan Uang Saku Terhadap Perilaku Menabung

Stakeholder Participation in Growing Spirit of Saving for Children in Beji Timur, Depok

The Influence of Demography, Social Environment and Financial Self-Efficacy toward Saving Behavior

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