学生储蓄行为的影响因素分析

S. Amilia, Tengku Putri Lindung Bulan, M. Rizal
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引用次数: 0

摘要

本研究的目的是探讨金融素养、父母、同伴的社会化、以及自我控制对大学学生储蓄行为的影响。研究类型为定量描述性,来源于一手数据和二次数据。数据收集技术,通过发放李克特量表调查问卷,调查人数多达201人。数据分析方法采用多元线性回归,研究中的多元线性回归分析方程为:Y = 7672 + 0,201X1 + 0,403X2 + 0,49x3 + 0,387X4。调整后的R平方值为0,328或32.8%,表明金融素养变量、父母、同伴的社会化和自我控制能够解释32.8%的储蓄行为,而剩余的67.2%受到其他未研究因素的影响。金融素养的显著值为0,009 α, 0.05,同伴变量显著影响储蓄行为。因此,这个假设被否定了。自我控制显著值为0.000 < alpha 0.05,自我控制变量对储蓄行为有显著影响,假设被接受。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Analysis of factors affecting student Bidik Misi savings behavior
The objective of the research was to find out the financial literacy, socialization of parents, peers, and self-control influence of the saving behavior of bidik misi students on Fakultas Ekonomi - Universitas Samudra. The research type is quantitative descriptive that comes from primary data and secondary data. Data collection techniques conducted by distributing questionnaires with a Likert scale with the number of respondents as many as 201 people. Data analysis method using multiple linear regression, with multiple linear regression analysis equation in research are: Y = 7,672 + 0,201X1 + 0,403X2 + 0,049X3 + 0,387X4. The value of Adjusted R Square obtained by 0,328 or 32,8% indicates the ability of financial literacy variables, socialization of parents, peers, and self-control in explaining the saving behavior of 32,8%, while the remaining 67,2% is influenced by other factors not researched. Significant value for financial literacy is 0,009 alpha 0,05, Peer variables significantly influence the behavior saving. Thus the hypothesis is rejected. Significance value for self-control 0.000 < alpha 0,05, Self-control variable have a significant effect on the saving behavior, and the hypothesis accepted.
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