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All Journal EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS)
Mohamad Arief Rafsanjani
Universitas Negeri Surabaya, Surabaya
Economics, Econometrics & Finance

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Pengaruh Social Influence, Literasi Keuangan, dan Self Control Terhadap Perilaku Menabung Mahasiswa Dyah Ayu Safitri; Mohamad Arief Rafsanjani
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 3 (2026): February 2026
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i3.9394

Abstract

The low level of saving behavior among students is an issue that needs to be studied in depth because it can have a major impact on their ability to manage finances and maintain financial stability in the future. The purpose of this study is to analyze the influence of social influence, financial literacy, and self-control on the saving behavior of Economics Education students at Surabaya State University. This study applies a quantitative approach with a convenience sampling method. There were 121 students who participated in this study. Data collection was carried out by distributing questionnaires designed based on indicators for each variable and then analyzed using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method. The results show that social influence has a positive and significant effect on financial literacy and self-control. Financial literacy and self-control affect saving behavior. Financial literacy mediates the effect of social influence on saving behavior. However, social influence does not have a significant effect on saving behavior, either directly or indirectly through self-control. Based on the above findings, it can be seen that student saving behavior is more influenced by internal factors, such as financial literacy and self-control, than by social environmental influences. These findings also explain the important role of social influence in shaping students' financial literacy and self-control.
Pengaruh Literasi Ekonomi dan Peer Influence Terhadap Pembelian Impulsif dengan FOMO Sebagai Mediasi Aniqotul Athiyah; Mohamad Arief Rafsanjani
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 4 (2026): May 2026
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i4.9733

Abstract

Technological advancements have driven changes in consumer behavior. One such development is the transformation of social media into social commerce, which has become an increasingly popular online shopping concept. This platform enables users to view and automatically add products to their shopping carts, thereby increasing the tendency toward impulsive buying, particularly among university students as primary users of digital media. This study aims to examine the effect of economic literacy and peer influence on impulsive buying, mediated by Fear of Missing Out (FOMO). The study sample consisted of 215 students and was analyzed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS). The results of this study indicate that economic literacy has a negative and significant effect on impulsive buying and FOMO, while peer influence has a positive and significant effect on impulsive buying and FOMO. Furthermore, FOMO has a positive and significant effect on impulsive buying and mediates the relationship between economic literacy and peer influence on impulsive buying. This study contributes by examining consumer behavior, particularly cognitive and social factors, in explaining impulsive buying while considering FOMO as a mediating variable that has not been comprehensively studied amid the rising trend of digital shopping.
Co-Authors Aniqotul Athiyah Dyah Ayu Safitri