The Factors that Influence Saving Behaviour of Student at State Polytechnic of Sriwijaya

Ahmad Hafiz Wijanarko, Sulastri Sulastri, Kemas Husni Thamrin

Abstract


Good financial condition is certainly the desire of every human being to be able to live in prosperity. To achieve these conditions, of course, good financial management is needed from each individual. This study aims to analyze the factors that influence saving behaviour in Sriwijaya State Polytechnic students. The sampling technique used to determine the sample in this study is the purposive sampling technique. The data that was processed came from 140 students of the Sriwijaya State Polytechnic which was obtained from a questionnaire that was distributed directly. Furthermore, the data were analyzed using Partial Least Square - Structural Equation Model (PLS-SEM). The results show that financial literacy does not affect saving behaviour, materialism affects saving behaviour and financial literacy and materialism mediated by impulse buying affect saving behaviour. Thus, further research is expected to add other factors that are not included in this study, such as the income of parents, peers, or family financial education.


Keywords


financial literacy; materialism; saving behaviour; impulse buying

Full Text:

PDF

References


Alzubaidi, H., Slade, E. L., & Dwivedi, Y. K. (2021). Examining antecedents of consumers’ pro-environmental behaviours: TPB extended with materialism and innovativeness. Journal of Business Research, 122, 685-699.

Chalimah, Siti Nor; Martono, S.; Khafid, Muhammad. 2019. The saving behavior of public vocational high school students of business and management program in Semarang. Journal of Economic Education, 8.1: 22-29.

Ghozali, Imam; LATAN, Hengky. Partial Least Squares konsep, metode dan Aplikasi menggunakan program WarpPLS 4.0. Semarang: Badan Penerbit Universitas Diponegoro, 2014.

Goso, M. A., & Aqsa, M. (2016). Pengaruh Materialisme dan Literasi Keuangan terhadap Perilaku Pengelolaan Keuangan Mahasiswa FEB Univ Palopo. 1–14.

Haderi, S. A. L., Ishak, K. A., Ismail, W., Sanabani, T. A. L., & Hamdani, A. A. L. 2018. SelfControl and Social Pressure an Important Determinant on The Saving Behaviour Among University’ Students. International Journal of Engineering and Technology (UAE), 7 (4), 462–469.

Hengo, M. G., Ndoen, W. M., & Amtiran, P. Y. (2021). Dampak Materialisme, Pengendalian Diri Dan Motivasi Pada Perilaku Pengelolaan Keuangan Keluarga. Journal of Management : Small and Medium Enterprises (SMEs), 14(1), 47–61.

Ichsan, R. et al. (2021). Determinant of Sharia Bank's Financial Performance during the Covid-19 Pandemic. Budapest International Research and Critics Institute-Journal (BIRCI-Journal). P. 298-309.

Kurniawan, M. R. (2019). Pengaruh teman sebaya dan materialisme pada perilaku menabung genMil di Jatim dengan impulsive buying sebagai Variabel Mediasi.

Kusumaningtyas, I., & Canda Sakti, N. (2017). Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Perilaku Konsumtif Siswa Kelas Xi Ips Di Sma Negeri 1 Taman Sidoarjo. Jurnal Pendidikan Ekonomi (JUPE), 5(3).

Nababan Darma dan Isfenti Sadalia. 2013. Analisis Personal Financial Literacy dan Financial Behavior Mahasiswa strata I Fakultas Ekonomi Universitas Sumatera utara.Media Informasi Manajemen Vol 1 No.1:1-16.

Nye, P., & Hillyard, C. (2013). Personal Financial Behavior: The Influence of Quantitative Literacy and Material Values. Numeracy, 6(1).

Ompi, A, P., Sepang , Jantje, L., & Wenas, Rudy, S. (2018). Analisis Faktor-Faktor Yang Menyebabkan Terjadinya Pembelian Impulsif Produk Fashion Di Outlet Cardinal Mega Mall Manado. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi

Rachma, E. A. (2019). The Effect of Self Control and Financial Literacy for Student’s Saving Behavior. Journal of Economic Education, 151, 10–17.

Richins, Marsha L.; Dawson, Scott. A consumer values orientation for materialism and its measurement: Scale development and validation. Journal of consumer research, 1992, 19.3: 303-316.

Sampoerno, A. E., & Asandimitra, N. (2021). Pengaruh Financial Literacy , Income , Hedonism Lifestyle , Self-Control , dan Risk Tolerance terhadap Financial Management Behavior pada Generasi Milenial. Jurnal Ilmu Manajemen (JIM), 9(3).

Solomon, M.; Rabolt, N. Consumer behavior in fashion . Saddle River. 2009.

Suratno, S., Rosmiati, R., & Siswono, E. (2021). Pengaruh Online Shop, Lingkungan Teman Sebaya Dan Literasi Keuangan Terhadap Pembelian Implusif Mahasiswa Jurusan Pips Fkip Universitas Jambi. Jurnal Manajemen Pendidikan Dan Ilmu Sosial.

Susanti, T. P. (2018). Pengaruh Kontrol Diri, Literasi Keuangan, dan Inklusi Keuangan terhadap Perilaku Menabung Mahasiswa Pendidikan Akuntansi Fakultas Ekonomi Universitas Negeri Surabaya. Jurnal Pendidikan Akuntansi, VI(3), 323=330.

Widjaja, I., Arifin, A., & Setini, M. (2020). The effects of financial literacy and subjective norms on saving behavior. Management Science Letters, 10(15), 3635-3642.




DOI: https://doi.org/10.33258/birci.v5i3.6055

Article Metrics

Abstract view : 77 times
PDF - 29 times

Refbacks

  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

 

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.