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The Influence of Financial Literacy, M-Banking Services on Saving Behavior Moderated by Gender and Self-Control

Economic Education Analysis Journal · Vol. 12 No. 3 (2023) · hlm. 199–211

DOI
10.15294/eeaj.v12i3.74210
ISSN
2502-356X, 2252-6544
Terbit
2023-10-30
Penerbit
Universitas Negeri Semarang
Bahasa
eng

Abstrak

This research aims to determine the influence of financial literacy and mobile banking services on the saving behavior of UNS students and to find out whether gender and self-control can moderate financial literacy and mobile banking services on the saving behavior of UNS students. This study uses a type of quantitative research with a population of UNS students. The determined sample of 144 samples was taken using a non probably sampling technique. The data collection technique uses a five-point Likert scale of 1-5 points distributed via Google Forms. Test the validity of the instrument using Confirmatory Factor Analysis (CFA) and test the reliability using Cronbach Alpha (a). All data is processed using SPSS 25 software. The results of the study prove that: (1) there is a significant and positive effect of financial literacy on saving behavior of UNS students; (2) there is a significant and positive effect of mobile banking services on saving behavior of UNS students; (3) gender can moderate financial literacy and mobile banking services on saving behavior UNS students; and (4) self-control can moderate financial literacy and mobile banking services on saving behavior of UNS students.

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  • Institut Teknologi Sepuluh Nopember
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Rekan penulisOrganisasiArtikel bersama
SudarnoAfiliasi tidak diketahui2
Mintasih IndriayuAfiliasi tidak diketahui2
Fadilah Mutia LatifahAfiliasi tidak diketahui2
Hanifah 'Urwatulwutsqo Rofi'ahAfiliasi tidak diketahui1
Titis Rena Siwi PambudiAfiliasi tidak diketahui1
Tya Wahyu NofitriAfiliasi tidak diketahui1
Dhani AliffansyahAfiliasi tidak diketahui1
Indah Warih YantiAfiliasi tidak diketahui1
Elvina Destin TrisnadewiAfiliasi tidak diketahui1
Sudarno SudarnoAfiliasi tidak diketahui1
Nugraheni RamadhonaAfiliasi tidak diketahui1
Lukman HakimInstitut Teknologi Sepuluh Nopember1
Saringatun MudrikahAfiliasi tidak diketahui1
Andika Yudha TiyasaAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/sju/index.php/eeaj/oai, pertama di-harvest 5 Nov 2026, terakhir terlihat 5 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">The Influence of Financial Literacy, M-Banking Services on Saving Behavior Moderated by Gender and Self-Control</dc:title>
	<dc:creator>Faramida, Hasna Nur</dc:creator>
	<dc:creator>Sabandi, Muhammad</dc:creator>
	<dc:creator>Octoria, Dini</dc:creator>
	<dc:description xml:lang="en-US">This research aims to determine the influence of financial literacy and mobile banking services on the saving behavior of UNS students and to find out whether gender and self-control can moderate financial literacy and mobile banking services on the saving behavior of UNS students. This study uses a type of quantitative research with a population of UNS students. The determined sample of 144 samples was taken using a non probably sampling technique. The data collection technique uses a five-point Likert scale of 1-5 points distributed via Google Forms. Test the validity of the instrument using Confirmatory Factor Analysis (CFA) and test the reliability using Cronbach Alpha (a). All data is processed using SPSS 25 software. The results of the study prove that: (1) there is a significant and positive effect of financial literacy on saving behavior of UNS students; (2) there is a significant and positive effect of mobile banking services on saving behavior of UNS students; (3) gender can moderate financial literacy and mobile banking services on saving behavior UNS students; and (4) self-control can moderate financial literacy and mobile banking services on saving behavior of UNS students.</dc:description>
	<dc:publisher xml:lang="en-US">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2023-10-30</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/sju/eeaj/article/view/74210</dc:identifier>
	<dc:identifier>10.15294/eeaj.v12i3.74210</dc:identifier>
	<dc:source xml:lang="en-US">Economic Education Analysis Journal; Vol 12 No 3 (2023): Economic Education Analysis Journal; 199-211</dc:source>
	<dc:source>2502-356X</dc:source>
	<dc:source>2252-6544</dc:source>
	<dc:source>10.15294/eeaj.v12i3</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/sju/eeaj/article/view/74210/25623</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2023 Economic Education Analysis Journal</dc:rights>
</oai_dc:dc>