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Determinants of Saving Behavior With Consumptive Behavior as Moderation

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

DOI
10.15294/jeec.v13i1.28333
ISSN
2301-7341
Published
2025-08-26
Publisher
Universitas Negeri Semarang
Language
eng

Abstract

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.

Keywords

Collaboration network of the authors

40 authors · 79 co-authorship links · 1 across different organisations · showing the 40 most connected

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Universitas Media Nusantara Citra
  • State University of Semarang
  • Universitas Yudharta Pasuruan
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Rusdarti RusdartiAffiliation unknown5
Muhammad KhafidAffiliation unknown5
Nina OktarinaAffiliation unknown3
Bestari Dwi HandayaniAffiliation unknown3
Arief YuliantoUniversitas Media Nusantara Citra3
Sucihatiningsih Dian Wisika PrajantiState University of Semarang3
Joko WidodoAffiliation unknown2
Muhsin MuhsinAffiliation unknown2
Achmad SlametAffiliation unknown2
Amir MahmudUniversitas Yudharta Pasuruan2
RusdartiAffiliation unknown2
Sandy AriefAffiliation unknown2
Partono ThomasAffiliation unknown2
Heri YantoAffiliation unknown2
Jarot Tri Bowo SantosoAffiliation unknown2
Sucihatiningsih Dian Wisika PrajantiAffiliation unknown2
Riswanda ImawanAffiliation unknown1
Imroatus SholikhahAffiliation unknown1
Ibrotul Lailatur RohmahAffiliation unknown1
Tia Pipit NaovilaAffiliation unknown1
Ajeng Rizka RiadianiAffiliation unknown1
Rahmat SyarifullohAffiliation unknown1
Rastra BuanaAffiliation unknown1
Dany AriyantoAffiliation unknown1
Siti Nur EndahAffiliation unknown1
Ahmad Faris ArifianataAffiliation unknown1
Fitriana FitrianaAffiliation unknown1
Malihatus SholihahAffiliation unknown1
Endang PujiatiAffiliation unknown1
Hanum LarasatiAffiliation unknown1
Vida Chusnia ChaqAffiliation unknown1
Nasihotul KhosidahAffiliation unknown1
Elfa Dikah Tri HandayaniAffiliation unknown1
Syaiful Andy LasmanaAffiliation unknown1
Adila Dhiya HanifaAffiliation unknown1
Shavera Sofiana MaliaAffiliation unknown1
Aprilia DiastiniAffiliation 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/journals/jeec/oai, first harvested 6 Nov 2026, last seen 6 Nov 2026.
Original metadata (oai_dc) 
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	<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>
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