Journal of Business, Finance, and Banking
Vol. 2 No. 2 (2026): Journal of Business, Finance, and Banking (JBFB)

The Influence of Financial Literacy and Pocket Money on the Saving Behavior of SMK Gotong Royong Students

Yuyun Rasai (Hein Namotemo University, Indonesia)
Sahrul Hi. Posi (Hein Namotemo University, Indonesia)
Suharli Manoma (Hein Namotemo University, Indonesia)
Nasrula Kaiyeli (Hein Namotemo University, Indonesia)



Article Info

Publish Date
21 Jul 2026

Abstract

This study aims to determine the simultaneous and partial influence of financial literacy and pocket money on students' saving behavior. This study is a type of inferential statistical research conducted to test hypotheses. This study uses secondary data sourced from questionnaires distributed to 66 students. The sampling technique uses Non-Probability Sampling with Convenience Sampling techniques. The analysis method used is multiple linear regression analysis. Based on the results of partial hypothesis testing, it is known that the variables of financial literacy and pocket money have a positive effect on students' saving behavior. While simultaneously, the variables of financial literacy and pocket money have a simultaneous effect on students' saving behavior. The results of the coefficient of determination test obtained an R-square value of 0.721 or 72.1% of students' saving behavior is influenced by financial literacy and pocket money factors, while the remaining 27.9% (100% - 72.1%) is influenced by other factors not explained in this study.

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Journal Info

Abbrev

jbfb

Publisher

Subject

Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

Description

The Journal of Business, Finance, and Banking (JBFB) is a scientific journal published by the Perbanas Institute in collaboration with the Indonesian Chamber of Commerce and Industry (KADIN). JBFB is dedicated to providing a platform for academics and practitioners to publish their quantitative and ...