PENGARUH DIGITAL FINANCIAL LITERACY, KONTROL DIRI, DAN UANG SAKU TERHADAP SAVING BEHAVIOR PADA MAHASISWA S1 FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS NEGERI JAKARTA

MUHAMMAD ERLAND ADHIPRAMANA, . (2026) PENGARUH DIGITAL FINANCIAL LITERACY, KONTROL DIRI, DAN UANG SAKU TERHADAP SAVING BEHAVIOR PADA MAHASISWA S1 FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS NEGERI JAKARTA. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Tujuan penelitian ini adalah menganalisis hubungan antara digital financial literacy, kontrol diri, dan uang saku terhadap perilaku menabung secara umum dan pada mahasiswa secara khusus. Melalui pendekatan kuantitatif dengan metode pengumpulan data survei dan teknik proportional random sampling terhadap 285 responden. Analisis data menggunakan uji kualitas data, uji asumsi klasik, dan uji hipotesis melalui perangkat lunak SPSS 30. Semua variabel independen secara parsial dan bersamaan terbukti memengaruhi saving behavior. Penelitian ini menegaskan pentingnya upaya edukatif melalui kurikulum perguruan tinggi, pelatihan keuangan digital dari lembaga resmi, serta pembiasaan pengelolaan keuangan yang terencana agar mahasiswa mampu mengambil keputusan finansial yang bijak dan membentuk perilaku menabung yang berkelanjutan. Kata Kunci : Digital Financial Literacy, Kontrol Diri, Uang Saku, Saving Behavior   ***** This study aims to examine the relationship between digital financial literacy, self-control, and allowance and their influence on saving behavior, both in the general population and specifically among university students. Using a quantitative approach with survey data collection and proportional random sampling of 285 respondents, data were analyzed with data quality tests, classical assumption tests, dan hypothesis testing using SPSS 30. The results show that digital financial literacy, self-control, and pocket money have a positive and significant effect on saving behavior. Furthermore, all independent variables are bersamaaneously proven to affect saving behavior. This study emphasizes the importance of educational efforts through university curricula, digital financial training from official institutions, and habituation of planned financial management so that students can make prudent financial decisions and develop sustainable financial behavior. Keywords: Digital Financial Literacy, Self-Control, Pocket Money, Saving Behavior

Item Type:	Thesis (Sarjana)
Additional Information:	1). Dwi Kismayanti Respati, S.Pd.,M.Ak. 2). Dwi Handarini, S.Pd, M.Ak.
Subjects:	Karya Umum > Karya Tulis Perguruan TInggi
Divisions:	FE > S1 Pendidikan Ekonomi
Depositing User:	Muhammad Erland Adhipramana .
Date Deposited:	27 Aug 2026 07:45
Last Modified:	27 Aug 2026 07:45
URI:	http://repository.unj.ac.id/id/eprint/72833

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