THE EFFECT OF ACCESSIBILITY, FINANCIAL LITERACY, SELFCONTROL, AND INCOME ON INTEREST IN SAVING AT A BANK FOR DISABILITIES

Natasya Adinda Putri, Inayati Nuraini Dwiputri and Ekaterina Isupova
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Natasya Adinda Putri: State University of Malang, Faculty of Economics and Business, Jalan Semarang No. 5 Kota Malang, Indonesia
Inayati Nuraini Dwiputri: State University of Malang, Faculty of Economics and Business, Jalan Semarang No. 5 Kota Malang, Indonesia
Ekaterina Isupova: Novosibirsk State University, Russia

UTMS Journal of Economics, 2025, vol. 16, issue 1, 30-47

Abstract: Currently, the number of people with disabilities reaches approximately 20% of the community and has the potential to become a customer of banks. This study aims to examine the effect of accessibility, financial literacy, self-control and income on interest in saving at a bank for people with disabilities. The study was conducted on people with disabilities in Universitas Negeri Malang, Indonesia. Primary data were collected through questionnaires and analyzed using the Structural Equation Modeling (SEM) method. This study found that self-control had a significant positive effect on interest in saving at the bank for disabilities particularly. The better the self-control of people with disabilities, the more interest in saving at the bank. Other results showed that accessibility, financial literacy and income did not significantly affect the interest in saving at the bank. This study found that to improve respondents' financial decisions in saving is to provide basic knowledge about self-control both in organizations and learning in classes in the form of seminars and courses. Therefore, it is expected to be more careful in making financial decisions and improving saving patterns to achieve financial freedom in the future for sustainable community welfare particularly.

Keywords: Accessibility; Financial Literacy; Self-Control; Income; InterestforSaving, Disability. (search for similar items in EconPapers)
JEL-codes: D14 D91 G53 I12 J14 (search for similar items in EconPapers)
Date: 2025
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