Published: 2025-06-01
Pengaruh Perilaku Konsumtif, Literasi Keuangan dan Teman Sebaya terhadap Perilaku Menabung Mahasiswa Aktif Angkatan 2021 FEBI UNZAH
DOI: 10.35870/jemsi.v11i3.4149
Abstract
The research intends to investigate the influence of consumptive behavior, financial literacy, and peers on the saving behavior of active students of batch two thousand two one of the Faculty of Economics and Islamic Business, UNZAH. Employing a quantitative method with a causal associative research, the study examines the relationship among multiple variables. Data was gathered via questionnaire distributed to 136 students selected through the method of saturated sampling. Multiple linear regression was applied for the analytical method, involving instrument test, classical assumption test, T test, F test, and R2 utilizing the IBM SPSS 26. Findings suggest that partially, a significant negative impact was found on the relation of consumptive behavior and saving behavior, while a significant positive impact was found on the financial literacy as well as peers with student saving habit. Simultaneously, the three independent variables have a big impact on saving behavior with a determination value of sixty-eight, eight percent, which means that sixty-eight, eight percent of the saving behavior variation can be interpreted by these three variables.
Keywords
Consumptive Behavior; Financial Literacy; Peers; Saving Behavior
Article Information
This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.
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Issue: Vol. 11 No. 3 (2025)
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Section: Articles
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Published: 2025-06-01
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License: CC BY 4.0
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Copyright: © 2025 Authors
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DOI: 10.35870/jemsi.v11i3.4149
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Ummi Mauliatul Ula, Universitas Islam Zainul Hasan Genggong
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Nuntufa, Universitas Islam Zainul Hasan Genggong
Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Zainul Hasan Genggong, Jalan Raya Panglima Sudirman No. 360, Semampir, Kraksaan, Probolinggo, Jawa Timur.
Norhayati, Universitas Islam Zainul Hasan Genggong
Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Zainul Hasan Genggong, Jalan Raya Panglima Sudirman No. 360, Semampir, Kraksaan, Probolinggo, Jawa Timur.
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