ANALYSIS OF SAVING BEHAVIOR IN REGIONAL STUDENTS IN THE CITY OF SURABAYA

Abstract

This study aims to examine saving behavior and the financial factors that influence it, including financial literacy, financial attitude, and financial inclusion, with self-control serving as a moderating variable for Regional Students in Surabaya. The focus of this research is Regional Students (Indonesian: Mahasiswa Rantau) in the city of Surabaya. The population of this study consists of active undergraduate (S1/D4) students attending state universities in Surabaya. The sample includes 110 students, selected through purposive sampling. Data were collected using questionnaires, which were then analyzed with Structural Equation Modeling (SEM) using the Partial Least Square (PLS) application. The findings indicate that financial literacy, financial attitude, and financial inclusion all contribute to saving behavior. Self-control moderates the impact of financial literacy and financial attitude on saving behavior but does not moderate the impact of financial inclusion on saving behavior.