Pengaruh Literasi Keuangan, Pendapatan, Dan Kontrol Diri Terhadap Perilaku Menabung Orang Tua Untuk Pendidikan Anak Sejak Dini

Abstract

This study aims to determine the influence of financial literacy, income, and self-control on parents' saving behavior for their children's early education among members of KSP Kopdit Sartika in Ende Regency, analyzing these effects both partially and simultaneously. The study employs an associative quantitative method with 93 respondents selected through purposive sampling. Data were collected via questionnaires, interviews, observation, and documentation. Data analysis utilized simple and multiple linear regression to test the hypotheses. The results indicate that financial literacy, income, and self-control each have a positive and significant partial effect on saving behavior. Simultaneously, these three variables also significantly influence saving behavior, with an R² value of 47.3%.