PENGARUH LITERASI KEUANGAN, GAYA HIDUP, DAN TEMAN SEBAYA TERHADAP PERILAKU MENABUNG SISWA SMAN 2 DEPOK

IMELDA APRILIANI, . (2026) PENGARUH LITERASI KEUANGAN, GAYA HIDUP, DAN TEMAN SEBAYA TERHADAP PERILAKU MENABUNG SISWA SMAN 2 DEPOK. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Perilaku menabung merupakan salah satu aspek penting dalam membentuk kemampuan siswa mengelola keuangan secara bijaksana sejak usia dini. Namun, kebiasaan menabung pada sebagian siswa masih tergolong rendah dan dipengaruhi oleh berbagai faktor, di antaranya literasi keuangan, teman sebaya, dan gaya hidup. Adanya perbedaan hasil penelitian terdahulu mengenai hubungan antarvariabel tersebut menunjukkan masih terdapat research gap yang perlu diteliti lebih lanjut. Oleh karena itu, penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, teman sebaya, dan gaya hidup terhadap perilaku menabung siswa SMAN 2 Depok serta menguji peran gaya hidup sebagai variabel mediasi. Penelitian ini menggunakan pendekatan kuantitatif dengan metode asosiatif kausal. Populasi penelitian terdiri atas siswa SMAN 2 Depok dengan jumlah sampel sebanyak 140 responden. Data penelitian diperoleh melalui penyebaran kuesioner menggunakan skala Likert. Selanjutnya, data dianalisis menggunakan metode Structural Equation Modeling–Partial Least Squares (SEM-PLS) dengan bantuan aplikasi SmartPLS 4. Hasil penelitian menunjukkan bahwa literasi keuangan dan teman sebaya memiliki pengaruh positif dan signifikan terhadap perilaku menabung siswa. Selain itu, literasi keuangan berpengaruh negatif dan signifikan terhadap gaya hidup, sedangkan teman sebaya berpengaruh positif dan signifikan terhadap gaya hidup. Di sisi lain, gaya hidup tidak memberikan pengaruh yang signifikan terhadap perilaku menabung serta tidak mampu memediasi pengaruh literasi keuangan maupun teman sebaya terhadap perilaku menabung. Temuan penelitian ini mengindikasikan bahwa perilaku menabung siswa lebih dipengaruhi oleh tingkat literasi keuangan dan lingkungan teman sebaya dibandingkan dengan gaya hidup. **** Saving behavior is an essential aspect of developing students' ability to manage their finances wisely from an early age. However, the saving habits of some students remain relatively low and are influenced by various factors, including financial literacy, peer influence, and lifestyle. The inconsistent findings of previous studies regarding the relationships among these variables indicate the existence of a research gap that requires further investigation. Therefore, this study aims to analyze the effects of financial literacy, peer influence, and lifestyle on the saving behavior of students at SMAN 2 Depok and to examine the mediating role of lifestyle in these relationships. This study employed a quantitative approach using a causal associative research design. The population consisted of students at SMAN 2 Depok, with a sample of 140 respondents. Data were collected through a questionnaire using a Likert scale. Furthermore, the data were analyzed using the Structural Equation Modeling– Partial Least Squares (SEM-PLS) method with the assistance of SmartPLS 4 software. The findings revealed that financial literacy and peer influence had a positive and significant effect on students' saving behavior. In addition, financial literacy had a negative and significant effect on lifestyle, while peer influence had a positive and significant effect on lifestyle. On the other hand, lifestyle had no significant effect on saving behavior and was unable to mediate the effects of financial literacy and peer influence on students' saving behavior. These findings indicate that students' saving behavior is more strongly influenced by financial literacy and peer influence than by lifestyle.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Promotor Aditya Pratama, S.Pd.,M.Pd.; 2). Co Promotor Riswandi,M.Pd.E.
Subjects:	Pendidikan > Teori, Penelitian Pendidikan
Divisions:	FE > S1 Pendidikan Ekonomi
Depositing User:	Imelda Apriliani .
Date Deposited:	24 Aug 2026 06:16
Last Modified:	24 Aug 2026 06:16
URI:	http://repository.unj.ac.id/id/eprint/73046

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