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All Journal Journal of Accounting and Investment Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Jurnal Manajemen STIE Muhammadiyah Palopo Jurnal Akuntansi STIE Muhammadiyah Palopo Journal of Economic, Bussines and Accounting (COSTING) AkMen JURNAL ILMIAH Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Atma Jaya Accounting Reseach (AJAR) Al-Kharaj: Journal of Islamic Economic and Business Current : Jurnal Kajian Akuntansi dan Bisnis Terkini Daengku: Journal of Humanities and Social Sciences Innovation Jurnal Ekonomi Kreatif Indonesia IECON: International Economics and Business Conference Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Halim Usman
Universitas Muhammadiyah Palopo
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Influence Of Savings Motivation And Peers On Financial Habits Among Adolescents In Tolada Village Rusni Rusanda; Hapid; Halim Usman
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.8688

Abstract

In the digital era, adolescents are increasingly exposed to a consumer lifestyle that can influence their financial habits. This study aims to analyze the influence of savings motivation and peer influence on the financial habits of adolescents in Tolada Village. This study used a quantitative approach with a correlational and cross-sectional design. A sample of 133 adolescent respondents aged 15–21 years was obtained through stratified random sampling. The data collection instrument was a questionnaire whose validity and reliability have been tested. Data analysis was performed using multiple linear regression using SPSS version 22. The results showed that simultaneously, savings motivation and peer influence significantly influenced adolescents' financial habits (p < 0.05). However, partially, neither savings motivation nor peer influence showed a significant influence individually. This finding indicates that adolescents' financial habits are more influenced by a combination of several factors simultaneously. Therefore, a holistic approach involving financial education, social support, and the role of the environment is key to forming healthy financial habits among adolescents
Co-Authors Abid Ramadhan Agunawan Andis Altri Wahida Amanda Amanda Andi Dahri AP Andika Rusli Antong Antong Antong Antong Antong Antong Duriani Duriani Erniyati Caronge Hapid Hasnita Hasdi Hasriani Indra Kusdarianto, Indra Iriansyah Iriansyah M. Risal Mildayanti Mira Pita Sari Muslianti Middin Nispa Sari Putri Dewintari Putri Indah Rahmawati Rahmawati Rahmawati Riyanti Rusni Rusanda Sahwa Aulia S Sahwa Hermila Sri Wahyuny Mustafa Sumarno Sumarno Surahmi Sahruddin Yohanes Rura