{"id":"https://openalex.org/W7224010024","doi":"https://doi.org/10.5281/zenodo.23684281","title":"The Effects of Financial Literacy, Pocket Money, and Lifestyle on Saving Behavior among Students of the Faculty of Economics and Business at Universitas Muhammadiyah Cirebon","display_name":"The Effects of Financial Literacy, Pocket Money, and Lifestyle on Saving Behavior among Students of the Faculty of Economics and Business at Universitas Muhammadiyah Cirebon","publication_year":2026,"publication_date":"2026-10-27","ids":{"openalex":"https://openalex.org/W7224010024","doi":"https://doi.org/10.5281/zenodo.23684281"},"language":"en","primary_location":{"id":"doi:10.5281/zenodo.23684281","doi":"https://doi.org/10.5281/zenodo.23684281","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.23684281","pdf_url":null,"source":{"id":"https://openalex.org/S4210221116","display_name":"Britain International of Humanities and Social Sciences (BIoHS) Journal","issn_l":"2685-1989","issn":["2685-1989","2685-3868"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"JournalArticle"},"volume":null,"type":"article","indexed_in":["datacite"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://doi.org/10.5281/zenodo.23684281","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5159780969","display_name":"Enggun Sugiana","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210133793","display_name":"Universitas Muhammadiyah Cirebon","ror":"https://ror.org/045vhys49","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210133793"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Enggun Sugiana","raw_affiliation_strings":["Management Study Program, Faculty of Economics and Business, Universitas Muhammadiyah Cirebon, Cirebon, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Management Study Program, Faculty of Economics and Business, Universitas Muhammadiyah Cirebon, Cirebon, Indonesia","institution_ids":["https://openalex.org/I4210133793"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5014756803","display_name":"Puspa Dewi Yulianty","orcid":"https://orcid.org/0000-0002-9420-1270","observed_orcids":["https://orcid.org/0000-0002-9420-1270"]},"institutions":[{"id":"https://openalex.org/I4210133793","display_name":"Universitas Muhammadiyah Cirebon","ror":"https://ror.org/045vhys49","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210133793"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Puspa Dewi Yulianty","raw_affiliation_strings":["Management Study Program, Faculty of Economics and Business, Universitas Muhammadiyah Cirebon, Cirebon, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Management Study Program, Faculty of Economics and Business, Universitas Muhammadiyah Cirebon, Cirebon, Indonesia","institution_ids":["https://openalex.org/I4210133793"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5003909581","display_name":"Wahyudayanto Utama","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210133793","display_name":"Universitas Muhammadiyah Cirebon","ror":"https://ror.org/045vhys49","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210133793"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Wahyudayanto Utama","raw_affiliation_strings":["Management Study Program, Faculty of Economics and Business, Universitas Muhammadiyah Cirebon, Cirebon, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Management Study Program, Faculty of Economics and Business, Universitas Muhammadiyah Cirebon, Cirebon, Indonesia","institution_ids":["https://openalex.org/I4210133793"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I4210133793"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":{"value":0.89172925,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.9911999702453613,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.9911999702453613,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.008700000122189522,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.0,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/saving-behavior","display_name":"saving behavior","score":0.9750000238418579},{"id":"https://openalex.org/keywords/financial-literacy","display_name":"financial literacy","score":0.9959999918937683},{"id":"https://openalex.org/keywords/pocket-money","display_name":"pocket money","score":1.0},{"id":"https://openalex.org/keywords/lifestyle","display_name":"lifestyle","score":0.9549999833106995},{"id":"https://openalex.org/keywords/personal-financial-management","display_name":"personal finance management","score":0.7829999923706055},{"id":"https://openalex.org/keywords/college-students","display_name":"university students","score":0.9879999756813049},{"id":"https://openalex.org/keywords/student-financial-behavior","display_name":"student financial behavior","score":0.7179999947547913},{"id":"https://openalex.org/keywords/financial-education","display_name":"financial education","score":0.8370000123977661}],"concepts":[{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.8295999765396118},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.578000009059906},{"id":"https://openalex.org/C71104824","wikidata":"https://www.wikidata.org/wiki/Q1476639","display_name":"Structural equation modeling","level":2,"score":0.5604000091552734},{"id":"https://openalex.org/C506796395","wikidata":"https://www.wikidata.org/wiki/Q4738155","display_name":"Financial management","level":2,"score":0.44040000438690186},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.42010000348091125},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.3578999936580658},{"id":"https://openalex.org/C120912362","wikidata":"https://www.wikidata.org/wiki/Q136822","display_name":"Higher education","level":2,"score":0.3273000121116638},{"id":"https://openalex.org/C70179600","wikidata":"https://www.wikidata.org/wiki/Q1416547","display_name":"Financial plan","level":2,"score":0.32690000534057617},{"id":"https://openalex.org/C2992423588","wikidata":"https://www.wikidata.org/wiki/Q5449744","display_name":"Financial security","level":2,"score":0.3147999942302704},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.31380000710487366},{"id":"https://openalex.org/C103565092","wikidata":"https://www.wikidata.org/wiki/Q159421","display_name":"Savings account","level":2,"score":0.296999990940094},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.29330000281333923},{"id":"https://openalex.org/C71199308","wikidata":"https://www.wikidata.org/wiki/Q2990807","display_name":"Accounting management","level":3,"score":0.2890999913215637},{"id":"https://openalex.org/C2992108202","wikidata":"https://www.wikidata.org/wiki/Q1944407","display_name":"Money management","level":2,"score":0.28850001096725464},{"id":"https://openalex.org/C2986160967","wikidata":"https://www.wikidata.org/wiki/Q2043282","display_name":"Business management","level":2,"score":0.288100004196167},{"id":"https://openalex.org/C26517878","wikidata":"https://www.wikidata.org/wiki/Q228039","display_name":"Key (lock)","level":2,"score":0.2816999852657318},{"id":"https://openalex.org/C130731218","wikidata":"https://www.wikidata.org/wiki/Q1363554","display_name":"Financial analysis","level":2,"score":0.2782000005245209},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.2711000144481659},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.27059999108314514},{"id":"https://openalex.org/C2993791488","wikidata":"https://www.wikidata.org/wiki/Q676459","display_name":"Bank account","level":3,"score":0.26080000400543213},{"id":"https://openalex.org/C6422946","wikidata":"https://www.wikidata.org/wiki/Q857354","display_name":"Panel data","level":2,"score":0.25040000677108765}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.5281/zenodo.23684281","doi":"https://doi.org/10.5281/zenodo.23684281","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.23684281","pdf_url":null,"source":{"id":"https://openalex.org/S4210221116","display_name":"Britain International of Humanities and Social Sciences (BIoHS) Journal","issn_l":"2685-1989","issn":["2685-1989","2685-3868"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"JournalArticle"},{"id":"doi:10.5281/zenodo.23684282","doi":"https://doi.org/10.5281/zenodo.23684282","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.23684282","pdf_url":null,"source":{"id":"https://openalex.org/S4210221116","display_name":"Britain International of Humanities and Social Sciences (BIoHS) Journal","issn_l":"2685-1989","issn":["2685-1989","2685-3868"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"JournalArticle"}],"best_oa_location":{"id":"doi:10.5281/zenodo.23684281","doi":"https://doi.org/10.5281/zenodo.23684281","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.23684281","pdf_url":null,"source":{"id":"https://openalex.org/S4210221116","display_name":"Britain International of Humanities and Social Sciences (BIoHS) Journal","issn_l":"2685-1989","issn":["2685-1989","2685-3868"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"JournalArticle"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/4","display_name":"Quality education","score":0.75}],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W7223119077","https://openalex.org/W7223149573","https://openalex.org/W4402194176","https://openalex.org/W4316463702","https://openalex.org/W7171849112","https://openalex.org/W7221085759","https://openalex.org/W7140868991","https://openalex.org/W3210572851","https://openalex.org/W7201843299","https://openalex.org/W4402075019"],"abstract_inverted_index":{"Saving":[0],"behavior":[1,50,169],"is":[2,155],"an":[3,71],"important":[4],"indicator":[5],"of":[6,41,53,56],"personal":[7,184],"financial":[8,29,42,107,136,168,180,185],"management,":[9],"particularly":[10],"among":[11,51],"university":[12],"students":[13,52],"who":[14],"are":[15,145],"beginning":[16],"to":[17,37,81,141,163],"become":[18],"financially":[19],"independent.":[20],"However,":[21],"students'":[22,128,150,167],"limited":[23],"saving":[24,49,118,129,151],"habits":[25],"indicate":[26,133],"that":[27,106,134],"their":[28],"management":[30],"skills":[31],"remain":[32],"underdeveloped.":[33],"This":[34],"study":[35,65,161],"aims":[36],"analyze":[38],"the":[39,54,139,164],"effects":[40,116],"literacy,":[43],"pocket":[44,110,143],"money,":[45],"and":[46,58,109,114,138,170,183],"lifestyle":[47,122,154],"on":[48,117,127,166],"Faculty":[55],"Economics":[57],"Business":[59],"at":[60],"Universitas":[61],"Muhammadiyah":[62],"Cirebon.":[63],"The":[64,88,103,160],"employed":[66],"a":[67,157],"quantitative":[68],"approach":[69],"with":[70,100],"explanatory":[72],"research":[73],"design.":[74],"Data":[75],"were":[76,90],"collected":[77],"through":[78],"questionnaires":[79],"administered":[80],"230":[82],"respondents":[83],"selected":[84],"using":[85,92],"purposive":[86],"sampling.":[87],"data":[89],"analyzed":[91],"Partial":[93],"Least":[94],"Squares":[95],"Structural":[96],"Equation":[97],"Modeling":[98],"(PLS-SEM)":[99],"SmartPLS":[101],"4.":[102],"findings":[104,132],"show":[105],"literacy":[108,181],"money":[111,144],"have":[112],"positive":[113],"significant":[115,125],"behavior.":[119,130],"In":[120],"contrast,":[121],"has":[123],"no":[124],"effect":[126],"These":[131],"improving":[135,179],"knowledge":[137],"ability":[140],"manage":[142],"key":[146],"factors":[147],"in":[148,178],"shaping":[149],"behavior,":[152],"whereas":[153],"not":[156],"determining":[158],"factor.":[159],"contributes":[162],"literature":[165],"provides":[171],"practical":[172],"implications":[173],"for":[174],"higher":[175],"education":[176,182],"institutions":[177],"management.":[186]},"counts_by_year":[],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2026-10-28T00:00:00"}
