Proceedings of the 4th International Conference on Management and Business (ICOMB 2025)

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The Impact of Financial Literacy, Peer Influence, and Lifestyle on the Saving Behavior of University Students Living Away from Home in Yogyakarta

Authors
Edwin Satriyani Ganti1, *, Pristin Prima Sari1
1Universitas Sarjanawiyata Tamansiswa, Yogyakarta, Indonesia
*Corresponding author. Email: wiwinsatriyani@gmail.com
Corresponding Author
Edwin Satriyani Ganti
Available Online 24 April 2026.
DOI
10.2991/978-94-6239-656-2_24How to use a DOI?
Keywords
Financial Literacy; Peer Influence; Lifestyle; Saving Behavior
Abstract

This study explores the influence of financial literacy, peer influence, and lifestyle on the saving behavior of migrant university students in Yogyakarta, Indonesia. Living away from family, these students face financial challenges that require independent money management. Using a quantitative approach, data were collected from 100 respondents via structured questionnaires and analyzed using Partial Least Squares (PLS) with SmartPLS 4. The findings show that financial literacy, peer influence, and lifestyle each have a significant positive effect on saving behavior. Students with higher financial literacy make better financial decisions, while supportive peer environments and disciplined lifestyles promote consistent saving habits. These results underscore the importance of integrating financial education into university curricula and fostering social settings that encourage responsible financial practices. By understanding these factors, universities can better support students in developing sustainable financial habits that contribute to long-term financial well-being.

Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 4th International Conference on Management and Business (ICOMB 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
24 April 2026
ISBN
978-94-6239-656-2
ISSN
2352-5428
DOI
10.2991/978-94-6239-656-2_24How to use a DOI?
Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Edwin Satriyani Ganti
AU  - Pristin Prima Sari
PY  - 2026
DA  - 2026/04/24
TI  - The Impact of Financial Literacy, Peer Influence, and Lifestyle on the Saving Behavior of University Students Living Away from Home in Yogyakarta
BT  - Proceedings of the 4th International Conference on Management and Business (ICOMB 2025)
PB  - Atlantis Press
SP  - 296
EP  - 305
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-656-2_24
DO  - 10.2991/978-94-6239-656-2_24
ID  - Ganti2026
ER  -