The Influence of Financial Knowledge, Financial Attitude, and Pocket Money on Savings Behavior with Self Control as Moderation

Menganalisis pengaruh pengetahuan keuangan, fianncial attitude, dan uang saku terhadap perilaku menabung dengan self control sebagai variabel moderasi ialah tujuan penelitian ini. Penelitian kuantitatif merupakan jenis dari penelitian ini. Sampel ditentukan dengan teknik purposive sampling berjumlah 178 mahasiswa. Teknik analisis data menggunakan Pemodelan Persamaan Struktural (SEM) dengan berbantuan aplikasi WarpPLS 6.0. Diperoleh hasil penelitian bahwa pengetahuan keuangan, financial attitude, dan self control tidak mempengaruhi perilaku menabung secara signifikan. Uang saku mempengaruhi perilaku menabung secara positif dan signifikan. Self control tidak memoderasi pengetahuan keuangan terhadap perilaku menabung mahasiswa. Self control memoderasi financial attitude dan uang saku terhadap perilaku menabung mahasiswa.

Analyze the effect of financial knowledge, financial attitude, and pocket money on saving behavior with self control as a moderating variabel in students is the purpose of this research. Quantitative research is a type of research. Sample was determined by purposive sampling technique totaling 178 students . Data analysis techniques using Structural Equation Modeling (SEM) with the application of WarpPLS 6.0. Obtained research results that financial knowledge, financial attitude,  self control can’t influence saving behavior significantly. Pocket money influences saving behavior positively and significantly. Self control can’t moderate financial knowledge of students' saving behavior. Self control moderate financial attitudes and pocket money of students' saving behavior.