Pengaruh Literasi Keuangan Terhadap Perilaku Menabung Siswa Sekolah Dasar

Abstract

Financial literacy is an important ability that needs to be instilled from elementary school age, as it can shape students’ understanding and habits in managing their finances. One form of financial behavior that needs to be developed from an early age is saving behavior. This study aims to analyze the influence of financial literacy on the saving behavior of elementary school students. The study employed a quantitative approach using a survey method. The respondents consisted of 30 elementary school students. Data were collected using a questionnaire with a Likert scale. Data analysis included validity testing, reliability testing, normality testing, Pearson correlation analysis, simple linear regression analysis, t-test, F-test, and the coefficient of determination. The results showed that financial literacy had a positive relationship with saving behavior, with a correlation coefficient of 0.568. The simple linear regression analysis produced the equation Y = 4.930 + 0.830X. The t-test showed a calculated t-value of 3.647 with a significance level of 0.001 < 0.05, indicating that financial literacy had a positive and significant influence on students’ saving behavior. The coefficient of determination was 32.21%, meaning that financial literacy explained 32.21% of the variation in saving behavior, while the remaining 67.79% was influenced by other factors outside the scope of this study. The findings indicate that improving financial literacy from the elementary school level can be one of the efforts to develop saving habits and positive financial management behavior among students.