Pengaruh Financial Knowledge, Financial Attitude dan Self Control terhadap Perilaku Menabung Siswa Kelas XI SMAN 1 Wringinanom

Nur Riska Firdatus Samadiyah; Nersiwad Nersiwad; Yuliasnita Verlandes

doi:10.59603/masman.v2i3.469

Authors

Nur Riska Firdatus Samadiyah Program Studi Manajemen, Universitas Islam Majapahit, Indonesia
Nersiwad Nersiwad Program Studi Manajemen, Universitas Islam Majapahit, Indonesia
Yuliasnita Verlandes Program Studi Manajemen, Universitas Islam Majapahit, Indonesia

DOI:

https://doi.org/10.59603/masman.v2i3.469

Keywords:

Financial Knowledge, Financial Attitude, Self Control, Saving Behavior, High School Students

Abstract

Saving behavior is an important aspect in individual financial management. This study aims to investigate how financial knowledge, attitudes towards finances, and self-control influence saving behavior in class XI students at SMAN 1 Wringinanom. This type of research is quantitative. The population studied was all class XI students of SMAN 1 Wringinanom, totaling 400 students. A sample of 80 students was selected using the Slovin formula method and purposive sampling. Data was collected through the use of questionnaires, and data analysis was carried out using multiple linear regression with the help of the SPSS version 27 application for Windows. The results of the research show that the financial knowledge variable has a positive and significant influence on saving behavior, financial attitude has a positive and significant influence on saving behavior, and self-control has a positive and significant influence on saving behavior as well as the financial knowledge, financial attitude and self-control variables. simultaneously have an influence on saving behavior.

References

Brigitta, G. I., Widyastuti, U., & Fawaiq, M. (2022). Pengaruh Kontrol Diri, Sosialisasi Orang Tua, dan Literasi Keuangan terhadap Perilaku Menabung Siswa SMK. Jurnal Bisnis, Manajemen, Dan Keuangan, 3(2), 579–593. https://doi.org/10.21009/jbmk.0302.18

Dewi, D. J., Falah, S., Patma, K., & Salle, A. (2021). Pengaruh Pengetahuan Keuangan Dan Materialisme Terhadap Perilaku Menabung Pada Mahasiswa Dengan Impulsive Consumption Sebagai Variabel Mediasi. Jurnal Akuntansi Dan Keuangan Daerah, 16(2), 44–54. https://doi.org/10.52062/jakd.v16i2.1895

Nofitriani, N. N. (2020). Hubungan Antara Kontrol Diri Dan Harga Diri Dengan Perilaku Konsumtif Terhadap Gadget Pada Siswa Kelas XII SMAN 8 Bogor. Jurnal IKRA-ITH Humaniora, 4(1), 53–65.

Sugiyono. (2022). Uji asumsi. Repository.Unpas.Ac.Id, 1–23. Retrieved from http://repository.unpas.ac.id/61294/6/BAB III.pdf

Sukma, A. P., Hamidah, & Kurnianti, D. (2022). Pengaruh Financial Attitude, Financial Knowledge, dan Income terhadap Financial Management Behavior dengan Locus of Control sebagai Variabel Intervening. Jurnal Bisnis, Manajemen, Dan Keuangan, 3(2), 374–390. https://doi.org/10.21009/jbmk.0302.04

Wahyuti, S., Nasrun, A., Zannati, & Lulu, S. (2023). Edukasi pentingnya budaya menabung sejak dini untuk bekal masa depan 1,2,3, 1(1), 16–19.