The role of financial literacy,self-efficacy, and religiosity on financial behavior in the moderation of saving behavior

Dwiyanti, Nur Anisa and Purnamasari, Puji Endah ORCID: https://orcid.org/0000-0002-3727-6639 (2023) The role of financial literacy,self-efficacy, and religiosity on financial behavior in the moderation of saving behavior. Assets : Jurnal Ekonomi, Manajemen dan Akuntansi, 13 (1). pp. 140-152. ISSN 2088-2467

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Abstract

The world of finance is growing. It can bring out consumptive behavior from people and irregular financial management, especially among students. The phenomenon of consumptive behavior among students has encouraged researchers to do research that aims to analyze what factors affect financial behavior. Financial literacy, self-efficacy, religiosity, and saving Behavior on Financial Behavior are the variables used. The research method used is quantitive, with data analysis techniques to test hypotheses using SmartPLS. Data collection by distributing questionnaires via a Google form. The sample obtained for this study amounted to 260 respondents. This research shows that financial literacy, self-efficacy, and religiosity significantly influence financial behavior. This study also proves that saving behavior does not have a moderating effect on financial behavior

Item Type:	Journal Article
Keywords:	financial literacy; financial behavior; saving behavior; religiosity; self-efficacy
Subjects:	15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1501 Accounting, Auditing and Accountability > 150105 Management Accounting
Divisions:	Faculty of Economics > Department of Accounting
Depositing User:	Puji endah Purnamasari
Date Deposited:	14 Jun 2024 09:10

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