Faktor-Faktor Yang Memengaruhi Perilaku Menabung Di Kalangan Mahasiswa
DOI:
https://doi.org/10.24914/jeb.v19i1.479Keywords:
financial literacy, socialization of parents, peers influence, self-control, savings behaviorAbstract
High growth rate of savings will increase the rate of investment in Indonesia and encourage the economic growth of a nation. But according to the survey conducted by Otoritas Jasa Keuangan (OJK), people is still have a low understanding of the use of financial products including savings. It is also shown on the position of the savings that experienced declining growth from 2009-2013, especially in Central Java Province. Students as the academic community are expected to have a good understanding on the choice of investment and consumption so that students can contribute to the economic growth of Indonesia. Several of previous studies showed that financial literacy, socialization of parents, peers influence, and self-control have a significant positive effect on student savings behavior. The purpose of this study is going to reexamine the results of previous studies with a sample of 221 students of FEB in Satya Wacana Christian University. The results showed that financial literacy, socialization of parents, peers influence, and self-control simultaneously have a significant effect on savings behavior. Partially, financial literacy, socialization of parents, and self-control have a positive significant effect on savings behavior of students, but peers influence have no significant effect.
Abstrak
Tingkat pertumbuhan tabungan yang tinggi akan meningkatkan laju investasi di Indonesia dan mendorong pertumbuhan ekonomi suatu bangsa. Survei yang dilakukan oleh Otoritas Jasa Keuangan (OJK), menunjukkan orang masih memiliki pemahaman yang rendah mengenai penggunaan produk keuangan termasuk tabungan. Hal ini juga ditunjukkan oleh posisi tabungan yang mengalami pertumbuhan menurun dari 2009-2013, terutama di Provinsi Jawa Tengah. Mahasiswa sebagai civitas akademika diharapkan memiliki pemahaman yang baik pada pilihan investasi dan konsumsi sehingga mahasiswa dapat berkontribusi terhadap pertumbuhan ekonomi Indonesia. Beberapa penelitian sebelumnya menunjukkan bahwa melek finansial, sosialisasi orang tua, pengaruh rekan-rekan, dan kontrol diri memiliki efek positif yang signifikan terhadap perilaku tabungan mahasiswa. Tujuan dari penelitian ini adalah menguji kembali hasil penelitian sebelumnya dengan menggunakan sampel sebanyak 221 mahasiswa FEB Universitas Kristen Satya Wacana. Hasil penelitian menunjukkan bahwa melek finansial, sosialisasi dari orang tua, pengaruh rekan-rekan, dan kontrol diri secara bersamaan memiliki pengaruh yang signifikan terhadap perilaku tabungan. Secara parsial, melek finansial, sosialisasi dari orang tua, dan kontrol diri memiliki pengaruh yang signifikan positif terhadap perilaku tabungan mahasiswa, tetapi pengaruh rekan-rekan tidak berpengaruh secara signifikan.
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