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"Student financial literacy : program development presents effective strategies to assist in the implementation or the enhancement of a program as a tool to improve students? educational experience and financial well-being. It presents the key components of financial education programs designed to address the growing concerns associated with high levels of debt and low levels of financial literacy among college students."

"ABSTRAKMenabung memiliki dampak positif bagi individu dan juga perkembangan ekonomi negara, akan tetapi tingkat menabung di Indonesia masih rendah. Penelitian ini untuk melihat pengaruh literasi keuangan dan variabel psikologi, self-control terhadap intensi menabung. Responden berjumlah (n=434) responden dengan karakteristik karyawan dewasa muda dalam rentang umur 20-40 tahun, yang diambil menggunakan teknik accidental sampling. Literasi keuangan diukur menggunakan alat ukur Tes Pengetahuan Keuangan (TPK) yang telah dikembangkan oleh tim peneliti, Sjabadhyni et al.(2016) berdasarkan teori Lusardi & Mitchell (2014), self-control diukur menggunakan Self-Control Scale yang dikembangkan oleh Tangney, Baumeister dan Boone (2004), dan Intensi menabung diukur menggunakan alat ukur yang telah diadaptasi dari Ladhari dan Michaud (2015). Analisis statistik multiple regression, menunjukan bahwa hipotesis null penelitian ditolak (F(434)=11.023, p < .01), yang berarti terdapat pengaruh signifikan literasi keuangan dan self-control terhadap intensi menabung secara bersama-sama. Hasil penelitian ini diharapkan dapat dimanfaatkan untuk merancang intervensi bagi karyawan dewasa muda agar lebih mampu mengendalikan diri sehingga perilaku menabung mereka meningkat.

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ABSTRAKThe act of saving gives advantages for individual savers as well as the nation's economy; however, the level of saving in Indonesia is still relatively inferior. As the authority who supervise and control the financial services activity, Otoritas Jasa Keuangan (OJK), approaches the savers to elevate the financial literacy. This study aims to look at the effect of financial literacy and a psychological variable, self-control, toward the intention of saving in young adult employees. The results of this study are expected to be able to inform the impacts of each variable toward the intention of saving. The financial literacy was measured using an assessment tool, which had been previously developed by the researcher and underpinned by the theory of Lusardi& Mitchell (2014). Self-control was measured using Self-Control Scale, which had been developedby Tangey, Baumeister, and Boone (2004).Lastly, we gauge the intention of saving with a scale that was adapted from Ladhari and Micahud (2015). The respondents of the study are (n=434) employed young adults. There is significant evidence to reject the null hypothesis (F(434)=11.023, p < .01), which can conclude that the effect of both financial literacy and self-control on the intention of saving is significant. The results also have shown that self-control has a stronger impact than financial literacy. These results are hoped to be useful in planning interventions to the employed young adults so that they would understand personal financial management better; that is by saving."

"Literasi keuangan telah diketahui mampu memengaruhi intensi menabung, selain itu terdapat faktor lain yang terbukti dapat mempengaruhi intensi menabung yaitu optimisme, dan diduga efek kedua faktor tersebut akan berbeda jika diteliti secara bersamaan. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh literasi keuangan dan optimisme secara bersamaan terhadap intensi menabung pada karyawan dewasa muda. Pengukuran intensi menabung dikembangkan oleh peneliti dari alat ukur intensi Ladhari dan Michaud (2015). Literasi keuangan diukur dengan instrumen Test Pengetahuan Keuangan (TPK) yang dikambagan oleh Sjabadhyni et al., (2016). Sedangkan optimisme diukur dengan alat ukur LOT-R (Life Orientation Test - Revised) yang dikembangkan oleh Scheier, Carver dan Bridges (1994). Hasil penelitian menjukan bahwa literasi keuangan dan optimisme berpengaruh secara bersamaan terhadap intensi menabung, sehingga Ho ditolak F(434) = 7.646, p < 0.01, (R2 = 0.034). Artinya semakin tinggi nilai literasi keuangan dan optimisme seserorang, semakin tinggi intensi menabungnya. Implikasi dari penelitian ini adalah karyawan dewasa muda dapat meningkatkan intensinya untuk menabung, salah satu caranya dengan meningkatkan literasi keuangan dan optimisme.

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Financial literacy has known for its ability to effect on someone?s saving intention, besides there is another factor that has been proved by its ability to effect someone?s saving intention which is optimism, and it assumed the effects on both factors could be different if we investigated them together. The purpose of this study is to know the effects of financial literacy and optimism simultaneously towards saving intention among young adult employees. The measurement of saving intention was done in ordinal scale developed by Ladhari & Michaud (2015). Financial Literacy was measured with Test Pengetahuan Keuangan (TPK) developed by Sjabadhyni et al., (2016). Optimism was measured with LOT-R (Life Orientation Test - Revised) developed by Scheier, Carver dan Bridges (1994).

The result showed that financial literacy and optimism is significant in effecting saving intention, so Ho is rejected F (434) = 7.646, p < 0.01, (R2 = 0.034). That means the higher someone?s financial literacy and optimism, the higher their saving intention. The implication of this study is so that young adult employees could improve their intention to save their money, by increasing their financial literacy and optimism."

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