Melola Discovery

← Melola Discovery

Jurnal

Determinants of Saving Behavior With Consumptive Behavior as Moderation

Journal of Economic Education · Vol. 13 No. 1 (2025) · hlm. 24–41

DOI
10.15294/jeec.v13i1.28333
ISSN
2301-7341
Terbit
2025-08-26
Penerbit
Universitas Negeri Semarang
Bahasa
eng

Abstrak

The purpose of this study was to analyze the influence of financial literacy, parental socio-economics, and financial technology on saving behavior with consumptive behavior as moderation in economic education students at Semarang State University in 2021. The population in this study were students of the Department of Economics Education at Semarang State University in the class of 2021. The number of samples in this study was calculated using the Slovin formula with a proportionate stratified random sampling technique. Data collection techniques using a questionnaire. Data analysis techniques include descriptive statistical analysis and moderation regression analysis. The results of the study show that financial literacy has a positive and significant effect on saving behavior (14.36%). Meanwhile, parents' social economy and financial technology have no effect on saving behavior. Consumptive behavior is not able to moderate the influence of financial literacy, parents' socio-economic status, and financial technology on saving behavior. Suggestions that can be given are that students are expected to continue to increase saving behavior, can reduce consumptive behavior by reducing product purchases because of offering gifts when they don't really need them, and can increase their financial literacy so that it is even better, especially in terms of loans, investments, and insurance.

Kata kunci

Jaringan kolaborasi para penulis

40 penulis · 79 tautan kepenulisan bersama · 1 lintas organisasi · menampilkan 40 yang paling banyak terhubung

Arahkan kursor atau ketuk sebuah nama untuk menyorot rekan penulisnya. Klik dua kali untuk membuka halaman penulis.

  • Universitas Media Nusantara Citra
  • State University of Semarang
  • Universitas Yudharta Pasuruan
  • Afiliasi tidak diketahui
  • Organisasi berbeda
  • Organisasi sama
  • Afiliasi tidak diketahui
  • Garis lebih tebal = lebih banyak artikel bersama · lingkaran lebih besar = lebih banyak artikel
Tampilkan sebagai tabel
Rekan penulisOrganisasiArtikel bersama
Rusdarti RusdartiAfiliasi tidak diketahui5
Muhammad KhafidAfiliasi tidak diketahui5
Nina OktarinaAfiliasi tidak diketahui3
Bestari Dwi HandayaniAfiliasi tidak diketahui3
Arief YuliantoUniversitas Media Nusantara Citra3
Sucihatiningsih Dian Wisika PrajantiState University of Semarang3
Joko WidodoAfiliasi tidak diketahui2
Muhsin MuhsinAfiliasi tidak diketahui2
Achmad SlametAfiliasi tidak diketahui2
Amir MahmudUniversitas Yudharta Pasuruan2
RusdartiAfiliasi tidak diketahui2
Sandy AriefAfiliasi tidak diketahui2
Partono ThomasAfiliasi tidak diketahui2
Heri YantoAfiliasi tidak diketahui2
Jarot Tri Bowo SantosoAfiliasi tidak diketahui2
Sucihatiningsih Dian Wisika PrajantiAfiliasi tidak diketahui2
Riswanda ImawanAfiliasi tidak diketahui1
Imroatus SholikhahAfiliasi tidak diketahui1
Ibrotul Lailatur RohmahAfiliasi tidak diketahui1
Tia Pipit NaovilaAfiliasi tidak diketahui1
Ajeng Rizka RiadianiAfiliasi tidak diketahui1
Rahmat SyarifullohAfiliasi tidak diketahui1
Rastra BuanaAfiliasi tidak diketahui1
Dany AriyantoAfiliasi tidak diketahui1
Siti Nur EndahAfiliasi tidak diketahui1
Ahmad Faris ArifianataAfiliasi tidak diketahui1
Fitriana FitrianaAfiliasi tidak diketahui1
Malihatus SholihahAfiliasi tidak diketahui1
Endang PujiatiAfiliasi tidak diketahui1
Hanum LarasatiAfiliasi tidak diketahui1
Vida Chusnia ChaqAfiliasi tidak diketahui1
Nasihotul KhosidahAfiliasi tidak diketahui1
Elfa Dikah Tri HandayaniAfiliasi tidak diketahui1
Syaiful Andy LasmanaAfiliasi tidak diketahui1
Adila Dhiya HanifaAfiliasi tidak diketahui1
Shavera Sofiana MaliaAfiliasi tidak diketahui1
Aprilia DiastiniAfiliasi tidak diketahui1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/jeec/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 6 Nov 2026.
Metadata asli (oai_dc) 
<oai_dc:dc xmlns="http://www.openarchives.org/OAI/2.0/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/  http://www.openarchives.org/OAI/2.0/oai_dc.xsd">
	<dc:title xml:lang="en">Determinants of Saving Behavior With Consumptive Behavior as Moderation</dc:title>
	<dc:creator xml:lang="en">Puspitaningrum, Yuliastuty </dc:creator>
	<dc:creator xml:lang="en">Wahyudin, Agus</dc:creator>
	<dc:creator xml:lang="en">Pujiati, Amin</dc:creator>
	<dc:subject xml:lang="en">Financial Literacy, Parents’ Socio-economic, Financial Technology, Saving Behavior, Consumptive Behavior</dc:subject>
	<dc:description xml:lang="en">The purpose of this study was to analyze the influence of financial literacy, parental socio-economics, and financial technology on saving behavior with consumptive behavior as moderation in economic education students at Semarang State University in 2021. The population in this study were students of the Department of Economics Education at Semarang State University in the class of 2021. The number of samples in this study was calculated using the Slovin formula with a proportionate stratified random sampling technique. Data collection techniques using a questionnaire. Data analysis techniques include descriptive statistical analysis and moderation regression analysis. The results of the study show that financial literacy has a positive and significant effect on saving behavior (14.36%). Meanwhile, parents' social economy and financial technology have no effect on saving behavior. Consumptive behavior is not able to moderate the influence of financial literacy, parents' socio-economic status, and financial technology on saving behavior. Suggestions that can be given are that students are expected to continue to increase saving behavior, can reduce consumptive behavior by reducing product purchases because of offering gifts when they don't really need them, and can increase their financial literacy so that it is even better, especially in terms of loans, investments, and insurance.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2025-08-26</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">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/journals/jeec/article/view/28333</dc:identifier>
	<dc:identifier>10.15294/jeec.v13i1.28333</dc:identifier>
	<dc:source xml:lang="en">Journal of Economic Education; Vol. 13 No. 1 (2024): June 2024; 24-41</dc:source>
	<dc:source>2301-7341</dc:source>
	<dc:source>10.15294/jeec.v13i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/jeec/article/view/28333/5860</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Journal of Economic Education</dc:rights>
</oai_dc:dc>