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Valid Jurnal Ilmiah
Published by Sekolah Tinggi Ilmu Ekonomi AMM
ISSN : 18295037     EISSN : 26214954     DOI : -
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
VALID addresses the broad area of management science, accounting, and business. We welcome quantitative and qualitative studies with high-quality, rigorous methods, and strong impact on the field. Topics covered include, but not strictly limited to: Business and management strategy Marketing management Operations management Finance and investment Accounting Entrepreneurship Organisational behavior and people management Corporate social responsibility.
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Articles 301 Documents
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Pengaruh Income level dan Literasi Keuangan terhadap Perilaku Menabung Mahasiswa Program Studi Akuntansi Universitas Mataram Animah; Akram; Elin Erlina Sasanti; Jasri Fara Maulina
Valid: Jurnal Ilmiah Vol. 23 No. 2 (2026): Valid Jurnal Ilmiah Edisi Januari-Juni 2026
Publisher : Sekolah Tinggi Ilmu Ekonomi AMM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53512/valid.v23i2.663

Abstract

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.

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