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All Journal Atestasi : Jurnal Ilmiah Akuntansi
Nurcahaya, Claudia
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Economics, Econometrics & Finance Social Sciences

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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 Angguna, Welan Mauli Dewi Fadila Fadhil, Sayyid Muhammad Marieska Lupikawaty Sari Lestari Zainal Ridho