Research Paper
Year: 2022 | Month: January | Volume: 9 | Issue: 1 | Pages: 470-477
DOI: https://doi.org/10.52403/ijrr.20220153
The Effect of Financial Literacy, Financial Inclusion and Financial Attitude on Saving Behavior with Self Control as Moderation: Study on Households in Cingkes Village, Dolok Silau District, Simalungun Regency
Naca Perangin-angin1, Khaira Amalia Fachrudin2, Nisrul Irawati3
1,2,3Faculty Economics and Business, University of Sumatera Utara, Medan, Indonesia.
Corresponding Author: Naca Perangin-angin
ABSTRACT
Saving can be used as an investment for most people today considering the diverse needs of each person. Conditions of uncertainty make people aware that saving is a solution to prepare for future crises that may be higher. Saving is done by the general public in the hope of saving and setting aside a portion of the income that can be used for future needs. The purpose of this study was to determine and analyze the effect of financial literacy, financial inclusion, and financial attitude on saving behavior with self control as moderation. The data used are primary data obtained directly from respondents, amounting to 90 respondents. The sampling method used is probability sampling, with a sampling technique that is Simple Random Sampling. Questionnaires that have been filled out by respondents are analyzed by quantitative analysis methods, then used smartPLS is used as an analytical tool. The results of this study indicate that financial literacy has an insignificant effect on saving behavior, financial inclusion has no significant effect on saving behavior, financial attitude has a positive and significant effect on saving behavior and self control is not significant as a moderator of the relationship between financial literacy, financial inclusion and financial attitude towards saving. behavior.
Keywords: Financial Literacy, Financial Inclusion, Financial Attitude, Self Control, Saving Behavior.
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