Pengaruh Financial Knowledge, Self Control, dan Financial Attitude Terhadap Saving Behavior dengan Financial Self Efficacy Sebagai Variabel Moderasi
Downloads
How to Cite
Generasi Z yang sedang memasuki dunia kerja menghadapi tantangan finansial yang kompleks, terutama di tengah ketidakpastian ekonomi dan perkembangan gaya hidup konsumtif. Salah satu upaya penting untuk menciptakan kestabilan finansial adalah dengan membangun perilaku menabung. Perilaku ini dipengaruhi oleh berbagai faktor, antara lain financial knowledge, self control, dan financial attitude. Namun, seberapa besar pengaruh ketiga faktor tersebut terhadap perilaku menabung masih dapat dipengaruhi oleh tingkat keyakinan diri seseorang dalam mengelola keuangan atau financial self efficacy. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh financial knowledge, self control, dan financial attitude terhadap saving behavior dengan financial self efficacy sebagai variabel moderasi pada Generasi Z di UIN Malang yang sedang bekerja di berbagai sektor. Penelitian ini menggunakan metode pendekatan kuantitatif. Teknik pengambilan sampel menggunakan teori yang digunakan oleh Malhotra dengan jumlah responden penelitian sebanyak 95 orang. Skala pengukuran yang digunakan adalah skala Likert 1–5. Metode analisis data dalam penelitian ini menggunakan Structural Equation Modeling-Partial Least Square (SEM-PLS) dengan bantuan software SmartPLS versi 3.0. Analisis data meliputi pengujian outer model (validitas dan reliabilitas), inner model (uji R-square dan Q-square), serta pengujian hipotesis menggunakan teknik bootstrapping. Hasil penelitian menunjukkan bahwa financial knowledge, self control, dan financial attitude berpengaruh signifikan terhadap saving behavior. Selain itu, financial self efficacy terbukti mampu memoderasi pengaruh financial knowledge terhadap saving behavior, namun financial self efficacy tidak mampu memoderasi pengaruh self control maupun financial attitude terhadap saving behavior.
The Effect of Financial Knowledge, Self Control, and Financial Attitude on Saving Behavior with Financial Self Efficacy as a Moderating Variable
Abstract
Generation Z entering the workforce faces complex financial challenges, especially amidst economic uncertainty and the development of a consumptive lifestyle. One important effort to create financial stability is to build savings behavior. This behavior is influenced by various factors, including financial knowledge, self-control, and financial attitude. However, how much influence these three factors have on saving behavior can still be influenced by the level of one's confidence in managing finances or financial self-efficacy. The purpose of this study is to determine the effect of financial knowledge, self-control, and financial attitude on saving behavior with financial self-efficacy as a moderating variable in Generation Z at UIN Malang who are working in various sectors. This research uses a quantitative approach method. The sampling technique used the theory used by Malhotra with a total of 95 research respondents. The measurement scale used is a Likert scale of 1-5. The data analysis method in this study uses Structural Equation Modeling-Partial Least Square (SEM-PLS) with the help of SmartPLS software version 3.0. Data analysis includes testing the outer model (validity and reliability), inner model (R-square and Q-square tests), and hypothesis testing using bootstrapping techniques. The results showed that financial knowledge, self-control, and financial attitude have a significant effect on saving behavior. In addition, financial self efficacy is proven to be able to moderate the effect of financial knowledge on saving behavior, but financial self efficacy is not able to moderate the effect of self control or financial attitude on saving behavior.
Adityandani, W., & Asandimitra Haryono, N. (2019). Pengaruh Demografi, Financial Attitude, Financial Knowledge, Dan Suku Bunga Terhadap Perilaku Menabung Masyarakat Kota Surabaya. Jurnal Ilmu Manajemen (JIM), 7(2), 316–326.
Ajzen, I. (1991). The Theory of Planned Behavior. In: Organizational Behaviour and Human Decision Process. Journal of Personality and Social Psychology, 50(2), 179–211. https://doi.org/10.4135/9781446249215.n22
Banowati, A. T., Al-Azizah, U. S., & Amar, F. (2024). Pengaruh Financial Literacy, Lifestyle, dan Self-Control Terhadap Saving Behavior Generasi Z Jakarta Selatan. 11(1), 166–182. https://doi.org/http://dx.doi.org/10.30587/jurnalmanajerial.v11i01.6300
Christanto, A. (2022). Pengaruh Financial Literacy dan Self Control Terhadap Saving Behaviour Mahasiswa Kota Surabaya. Jurnal Ekonomi Dan Bisnis Digital (Ekobil), 1(2), 56–59. https://doi.org/10.58765/ekobil.v1i2.54
Ismail, S., Koe, W.-L., Halim Mahphoth, M., Abu Karim, R., Yusof, N., & Ismail, S. (2020). Saving Behavior Determinants in Malaysia: An Empirical Investigation. KnE Social Sciences, 2020, 731–743. https://doi.org/10.18502/kss.v4i6.6639
Jennifer, J., & Pamungkas, A. S. (2021). Pengaruh Self Control, Financial Literacy Dan Parental Socialization Terhadap Saving Behavior. Jurnal Manajerial Dan Kewirausahaan, 3(1), 8. https://doi.org/10.24912/jmk.v3i1.11259
Lestari, G. T., & Ridwan. (2024). The Influence Of Financial Literacy, Financial Self-Efficacy, And Income On Financial Management Behaviour In Micro Businesses In Bandung Kulon Sub-District Bandung City. Jurnal Ekonomi, 13(2), 1514–1525. https://doi.org/10.54209/ekonomi.v13i02
Luthfiannisa, G., & Meidiaswati, H. (2024). Pengaruh Family Financial Socialization, Income, Self-Control, Dan Financial Attitude Terhadap Saving Behavior Generasi Sandwich Di Kota Surabaya. Jurnal Ilmu Manajemen, 12, 71–82. https://doi.org/10.26740/jim.v12n1.p71-82
Mardiana, V., & Rochmawati, R. (2020). Self-Control Sebagai Moderasi Antara Pengetahuan Keuangan, Financial Attitude, Dan Uang Saku Terhadap Perilaku Menabung. Jurnal Pendidikan Ilmu Sosial, 30(2), 83–98. https://doi.org/10.23917/jpis.v30i2.11872
Meida, A., & Kartini. (2023). Pengaruh Financial Knowledge, Financial Experience, dan Financial Attitude terhadap Financial Behavior pada Pemilik UMKM di Kota Kudus. Selekta Manajemen: Jurnal Mahasiswa Bisnis & Manajemen, 02(02), 181–199. https://journal.uii.ac.id/selma/index
Nafisah, A. N. (2020). Pengaruh Literasi Keuangan, Teman Sebaya Dan Kontrol Diri Terhadap Perilaku Menabung (Studi Pada Mahasiswa S1 Manajemen Universitas Brawijaya Kota Malang). Jurnal Ilmiah Mahasiswa FEB, 1–75. http://ejournals.fkwu.uniga.ac.id/index.php/IJCE/article/view/98%0Ahttp://ejournals.fkwu.uniga.ac.id/index.php/IJCE/article/download/98/84
Ramadhan, A. Y., & Asandimitra, N. (2019). Determinants of Financial Management Behavior of Millennial Generation in Surabaya. Jurnal Minds: Manajemen Ide Dan Inspirasi, 6(2), 129. https://doi.org/10.24252/minds.v6i2.9506
Sabrin, Omasrianto, Darmono, Afiat, M. N., & Aso, L. (2025). The Effect of Financial Knowledge and Self-Efficacy on Students’ Financial Management Behavior in Indonesia. International Journal of Research and Review, 12(1), 351–259. https://doi.org/https://doi.org/10.52403/ijrr.20250144
Samadiyah, R., Nersiwad, & Verlandes, Y. (2024). Pengaruh Financial Knowledge, Financial Attitude dan Self Control terhadap Perilaku Menabung Siswa Kelas XI SMAN 1 Wringinanom. MASMAN?: Master Manajemen, 2(3), 150–163. https://doi.org/10.59603/masman.v2i3.469
Sekar Arum, L., Amira Zahrani, & Duha, N. A. (2023). Karakteristik Generasi Z dan Kesiapannya dalam Menghadapi Bonus Demografi 2030. Accounting Student Research Journal, 2(1), 59–72. https://doi.org/10.62108/asrj.v2i1.5812
Sibagariang, C. Y., Panjaitan, R., Purba, M. L., Royani, S. I., Manajemen, P., Efficacy, S., Keuangan, E. D., & Keuangan, P. (2024). Pengaruh Financial Attitude, Self Efficacy, dan Sozialization Agents Terhadap Perilaku Manajemen Keuangan pada Mahasiswa. 2(2), 315–328.
Tendean, R. L., Charista, B. T., & Malelak, M. I. (2022). Pengaruh Financial Knowledge, Financial Attitude, Dan Financial Self Efficacy Terhadap Saving Behavior Pada Pengguna E-Commerce Generasi Z. Distribusi - Journal of Management and Business, 10(2), 141–154. https://doi.org/10.29303/distribusi.v10i2.228
Ubaidillah, M. S. (2019). Pengaruh Literasi Keuangan Terhadap Perilaku Keuangan Dengan Sikap Keuangan Dan Self-Efficacy Sebagai Variabel Mediasi. Perpustakaan Universitas Airlangga, 310–320. http://repository.unair.ac.id/88317/
Copyright (c) 2025 Putri Setia Septaviana, Farahiyah Sartika
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with Empiricism Journal agree to the following terms:
- For all articles published in Empiricism Journal, copyright is retained by the authors. Authors give permission to the publisher to announce the work with conditions. When the manuscript is accepted for publication, the authors agrees to implement a non-exclusive transfer of publishing rights to the journals.
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
