THE IMPACT OF FINANCIAL LITERACY, CONSUMPTIVE BEHAVIOR AND M BANKING SERVICES ON SAVINGS MANAGEMENT

This study aims to analyze the impact of financial literacy, consumptive behavior, and m-banking services on savings management. The variables tested in this study consisted of financial literacy, consumptive behavior, and m-banking services as independent variables and savings management as the dependent variable. The population in this study consisted of Bachelor students of the Perbanas Institute of Economics and Business Jakarta, Indonesia, for the period 2014 until 2017. Determination of the research sample using random sampling method and obtain a sample of 98 respondents based on certain criteria. The results show that financial literacy, consumptive behavior, and m-banking services simultaneously have an influence on savings management. In addition, this study proves that partially m-banking services affect the management of savings, while financial literacy and consumptive behavior do not partially affect savings management.