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Jurusan Administrasi Bisnis Politeknik Negeri Sriwijaya
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Journal : Atestasi : Jurnal Ilmiah Akuntansi

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Moderation of Self-Control on The Relationship of Financial Literacy and Saving Behavior in Women Lupikawaty, Marieska; Fadila, Dewi; Zainal Ridho, Sari Lestari; Angguna, Welan Mauli; Nurcahaya, Claudia; Fadhil, Sayyid Muhammad
Atestasi : Jurnal Ilmiah Akuntansi Vol. 7 No. 2 (2024): September
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/atestasi.v7i2.805

Abstract

This study aimed to examine savings behavior of 97 women in the millennial generation and Gen Z group who live in rural areas. Recent surveys show that millennials and Gen Z recognize the importance of saving but only have savings that are enough to fulfill their life for three months. The research was conducted using a quantitative experimental between subject design method to answer questions regarding the influence of financial knowledge socialization on financial literacy. A non-experimental quantitative study was conducted to determine the moderating role of self-control on the influence of financial literacy on saving behavior through self-report on valid and reliable questionnaires and scales. The study results show that financial literacy and self-control have a role in explaining saving behavior (R2 = 0.52, p ≤ 0.05). Financial literacy has a significant positive impact in increasing saving behavior. Self-control also has an equally significant influence in explaining saving behavior. However, through testing the moderating role, self-control has a significant negative impact in influencing the relationship between financial literacy and saving behavior, this is interesting for further discussion.
Co-Authors A. Jalalluddin Sayuti Ade Silvia Handayani Africano, Fernando Afrizawati Afrizawati Agung Anggoro Seto Andriyani, Titi Angguna, Welan Mauli Apriani, Dinda Aprianti, Siska Ari Sandi Claudia Nurcahaya Dewi Fadila Dewi Fadila Diah Nuraini W Dinar Hakim Akbar Elvia Zahara Esya Alhadi Fadhil, Sayyid Muhammad Fetty - Maretha Janiko, Pajar Jusmawi Bustan Leni Novianti M. Yusuf Markoni Badri Masayu Soraya Humairah Miskiyah, Neneng Nabila Awalya Nurcahaya, Claudia Purnamasari, Keti Purwati Purwati Rakhman, M.Arief Ridhallah, Muhammad Sari Lestari Zainal Ridho Sayyid Muhammad Fadhil Shabrina Tyas Permata Siregar, Siti Marenda Wahyuni, Anissa Welan Mauli Angguna Yeza, Aura Hayyu Indah Yusleli Herawati Yusnizal Firdaus