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August 26, 2025Journal of Economic EducationOpen Access

Determinants of Saving Behavior With Consumptive Behavior as Moderation

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Authors

YPYuliastuty PuspitaningrumAWAgus WahyudinAPAmin Pujiati

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Overview

Analysis found financial literacy positively affects saving behavior in students, suggesting financial education may improve savings outcomes.

Key Points

  • Financial literacy significantly improves saving behavior by about 14.36%, enhancing students' financial management skills.
  • The study shows that parental socio-economic status and financial technology do not significantly impact saving behavior among students.
  • Moderation regression analysis was used to explore the relationship between financial literacy and saving behavior with consumptive behavior as a factor.
  • Promoting financial literacy and reducing unnecessary spending could help improve saving behavior among students.

Cite This Study

Puspitaningrum et al. (2025) studied this question.

synapsesocial.com/papers/68af7f397567bf4f94ff5cffhttps://doi.org/10.15294/jeec.v13i1.28333
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1The Influence of E-wallet Usage, Lifestyle, and Financial Literacy on The Consumptive Behavior of Economic Education Students2025
  2. 2Unpacking the influence of parental and peer support on youth financial literacy and saving behavior in Indonesia2025
  3. 3Synergizing Financial Literacy, Lifestyle, and E-Wallet Use for Enhanced Saving Behavior2025
  4. 4The Influence of Financial Literacy and Lifestyle on the Consumptive Behavior2025
  5. 5The Influence of Financial Literacy, Family Environment, and Lifestyle on Financial Management of Economic Education Students2025