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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) · pp. 199–211

DOI
10.15294/eeaj.v12i3.74210
ISSN
2502-356X, 2252-6544
Published
2023-10-30
Publisher
Universitas Negeri Semarang
Language
eng

Abstract

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.

Collaboration network of the authors

17 authors · 25 co-authorship links

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  • Institut Teknologi Sepuluh Nopember
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
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Co-authorOrganisationJoint articles
SudarnoAffiliation unknown2
Mintasih IndriayuAffiliation unknown2
Fadilah Mutia LatifahAffiliation unknown2
Hanifah 'Urwatulwutsqo Rofi'ahAffiliation unknown1
Titis Rena Siwi PambudiAffiliation unknown1
Tya Wahyu NofitriAffiliation unknown1
Dhani AliffansyahAffiliation unknown1
Indah Warih YantiAffiliation unknown1
Elvina Destin TrisnadewiAffiliation unknown1
Nugraheni RamadhonaAffiliation unknown1
Sudarno SudarnoAffiliation unknown1
Lukman HakimInstitut Teknologi Sepuluh Nopember1
Saringatun MudrikahAffiliation unknown1
Andika Yudha TiyasaAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/sju/index.php/eeaj/oai, first harvested 5 Nov 2026, last seen 8 Nov 2026.
Original metadata (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>
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