Financial Management And Saving Behavior Of Farming Households

Case Study of Farmers in Sempu Village, Sempu District, Banyuwangi Regency

Authors

  • Diana Novitasari Universitas Muhammadiyah Jember
  • Maheni Ika Sari Universitas Muhammadiyah Jember
  • Wahyu Eko Setianingsih Universitas Muhammadiyah Jember

DOI:

https://doi.org/10.32528/issh.v2i3.357

Keywords:

Saving behavior, financial management, financial literacy

Abstract

Saving behavior is a behavior in which a person must set aside a portion of his income to be saved and used for future needs. The level of one's savings rate can be influenced by two factors, namely internal factors and external factors. In this study, the factors that are thought to influence saving behavior are financial management and financial literacy. The purpose of this study was to analyze the effect of financial management and financial literacy simultaneously and partially on the saving behavior of farmers in Sempu Village, Sempu District, Banyuwangi Regency. The objects in this study were farmers in Sempu Village, Sempu District, which had a total sample of 236 respondents using a purposive sampling technique. Data collection techniques using a questionnaire. Data analysis used was validity test, reliability test, multiple linear regression analysis, classical assumption test (normality test, multicollinearity test, heteroscedasticity test) and hypothesis testing (t test and coefficient of determination test). The results of the study show that the financial management variable has a significant effect on saving behavior, while the financial literacy variable has no significant effect on saving behavior

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Published

2023-09-25

Issue

Vol. 2 No. 3 (2023): Proceedings of International Conference (ICON)

Section

Articles

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