<![CDATA[This study examines the savings interests of students at the Faculty of Economics, State Islamic University of Malang, considering the economic situation that demands wiser financial management. The problem raised focuses on the still low savings habits among students, which are influenced by factors such as knowledge of income, the role of peers, and the level of financial literacy. The main objective of this study is to determine how knowledge of income and friendships influence savings interests, and to examine the role of financial literacy as a connecting variable in this relationship. This study uses a quantitative approach; questionnaires were distributed to students as respondents, and the data were analyzed using SmartPLS (Partial Least Squares). The analysis shows that peers have a positive effect on savings interests, but knowledge of income has no significant effect. Furthermore, financial literacy is proven to act as a bridge between the two factors that influence savings interests. These findings confirm that students' savings behavior is not solely determined by economic aspects, but is also influenced by social factors and financial literacy skills. Therefore, improving financial literacy is an important step to strengthen savings interests among students.]]>
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