The Influence of Financial Literacy, Impulsive Buying, and Parents' Socioeconomic Status on Saving Behavior Through Self-Control as a Mediation Variable

Aanisah Eka Wahyu (Universitas Hayam Wuruk Perbanas)
Haryati Setyorini (Universitas Hayam Wuruk Perbanas)

Jurnal Multidisiplin Madani (MUDIMA)
Vol. 6 No. 7 (2026): July 2026

Saving behavior is an individual's ability to manage finances by setting aside part of their income for future use. This study aims to analyze the influence of financial literacy, impulsive buying, and parents' socioeconomic status on saving behavior with self-control as a mediating variable. The sampling technique used was purposive sampling with 175 active students at a private university in Surabaya as respondents. The data analysis method used in this study was Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results showed that financial literacy did not have a significant effect on saving behavior. Meanwhile, impulsive buying and parents' socioeconomic status had a positive and significant effect on saving behavior. In addition, self-control was able to mediate the effect of financial literacy on saving behavior. This study implies the importance of improving financial literacy, controlling impulsive purchasing, increasing parents' socioeconomic status, and strengthening self-control in shaping students' saving behavior to achieve sustainable financial well-being.