Pengaruh Income level dan Literasi Keuangan terhadap Perilaku Menabung Mahasiswa Program Studi Akuntansi Universitas Mataram

Animah (Universitas Mataram, Nusa Tenggara Barat, Indonesia)
Akram (Universitas Mataram, Nusa Tenggara Barat, Indonesia)
Elin Erlina Sasanti (Universitas Mataram, Nusa Tenggara Barat, Indonesia)
Jasri Fara Maulina (Universitas Mataram, Nusa Tenggara Barat, Indonesia)

Valid Jurnal Ilmiah
Vol. 23 No. 2 (2026): Valid Jurnal Ilmiah Edisi Januari-Juni 2026

This study aims to examine the influence of income level and literasi keuangan on students’ saving behavior. The research employs a quantitative approach by distributing questionnaires to student respondents, with the collected data subsequently analyzed using linear regression techniques. The findings indicate that income level does not have a significant impact on saving behavior, suggesting that the amount of income is not the primary factor determining an individual’s habit of setting aside money. In contrast, literasi keuangan demonstrates a positive and significant effect on saving behavior, indicating that students with a stronger understanding of financial concepts tend to be more disciplined in saving, even when their income is relatively limited. Simultaneously, both income level and literasi keuangan contribute to saving behavior; however, literasi keuangan emerges as the more dominant factor. These findings highlight the importance of enhancing literasi keuangan as an effective strategy for fostering sustainable saving habits among university students.