Social Media Use, Social Environment, and Family Economic  Background as Predictors of Adolescent Saving Behavior:  Evidence from Indonesia

Devi Pebriyanti; Muh.Yunus; Rahmawati Rahmawati

doi:10.63922/ijevss.v5i04.6525

Devi Pebriyanti Master's Program in Economics Education, Postgraduate Faculty, Universitas Patompo, Makassar, Indonesia
Muh.Yunus Master's Program in Economics Education, Postgraduate Faculty, Universitas Patompo, Makassar, Indonesia
Rahmawati Rahmawati Master's Program in Economics Education, Postgraduate Faculty, Universitas Patompo, Makassar, Indonesia

DOI: https://doi.org/10.63922/ijevss.v5i04.6525

Keywords: Social Media Use; Social Environment; Family Economic Background; Saving Behavior; Financial Literacy

Abstract

Adolescent saving behavior is widely recognized as a foundational component of financial literacy, yet students in many developing-country school systems continue to show inconsistent saving habits, prompting renewed attention to the social and economic factors that may underlie it. This study tested whether social media use, social environment, and family economic background jointly and individually predict tenth-grade students' saving behavior. Using an ex post facto, associative quantitative design, data were collected via Likert-scale questionnaires from all 32 tenth-grade students (saturated sampling) at an Islamic senior high school and analyzed with multiple linear regression in IBM SPSS Statistics 26. All three predictors significantly and positively predicted saving behavior: social media use (B = 0.289, t = 3.167, p = .004, standardized beta = .348), social environment (B = 0.254, t = 4.162, p < .001, standardized beta = .401), and family economic background (B = 0.189, t = 2.832, p = .008, standardized beta = .318). Comparing standardized beta coefficients -- the appropriate metric when predictors are measured on different item scales -- social environment, not social media use, was the dominant predictor, correcting an unstandardized-coefficient-based conclusion in the source study. Together, the three variables significantly predicted saving behavior, F(3, 28) = 48.209, p < .001, explaining 83.8% of its variance (R-squared = .838; adjusted R-squared = .820). Diagnostic testing confirmed normally distributed residuals, no multicollinearity (tolerance > .45, VIF < 2.2 for all predictors), and no heteroscedasticity. The findings suggest that cultivating adolescents' saving behavior benefits from attention to their social surroundings and family economic context, not only individual financial literacy instruction, with implications for financial-education policy in comparable secondary school systems.

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