PENGARUH SELF-CONTROL, FAMILY INFLUENCE DAN OVERCONFIDENCE TERHADAP SAVING HABIT DENGAN FINANCIAL ATTITUDE SEBAGAI MEDIATOR

Reny NG; Wisnu Yuwono

doi:10.31955/mea.v6i1.1855

Reny NG Universitas International Batam, Batam
Wisnu Yuwono Universitas International Batam, Batam

DOI: https://doi.org/10.31955/mea.v6i1.1855

Keywords: self-control; family influence; overconfidence; financial attitude; saving habits

Abstract

Kebiasaan menabung didefinisikan sebagai kebiasan untuk menyisihkan pendapatan untuk kebutuhan yang sudah direncanakan maupun kebutuhan mendadak di masa depan. Menabung merupakan kegiatan investasi dan menyimpan uang untuk kebutuhan di masa depan. Penelitian melibatkan 245 pemilik rekening bank sebagai tabungan pada responden usia muda sebagai objek penelitian. Hasil uji menunjukkan bahwa semua hipotesis berpengaruh signifikan kecuali pada hipotesis yang menyatakan terdapat hubungan pada over confidence terhadap saving habit dengan financial attitude sebagai variable mediasi dan pada hipotesis pengaruh over confidence terhadap financial attitude dimana pada variabel tidak terdapat pengaruh antar variabel.

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