Resumo

PENA MEDINA, Percy et al. Factors that determine savings in postgraduate students of the Accounting Faculty of the National University of Central Peru 2025. e-Rev. Multidiscip. Saber [online]. 2026, vol.4, e-RMS03042026.  Epub 20-Maio-2026. ISSN 2960-2467.  https://doi.org/10.61286/e-rms.v4i.379.

Saving is a fundamental financial practice that allows people to deal with emergencies, achieve goals, and improve their economic well-being. However, in recent years, a decrease in saving behaviors has been observed, as well as limitations in the ability to generate economic surpluses. Several studies have addressed this phenomenon from economic, social, and behavioral perspectives, demonstrating that saving depends not only on income but also on personal and environmental factors. In this context, the present research is justified by the need to identify the factors that influence saving among graduate students, who, despite having academic training, do not necessarily exhibit adequate financial habits. The objective of the study was to determine whether financial literacy, subjective norms, and self-control significantly influence saving. The study adopted a quantitative, explanatory approach with a non-experimental, cross-sectional design. The sample consisted of 67 posgraduate students. A structured questionnaire was used as the data collection instrument, administered via survey. Descriptive results show that 67.16% of students report saving, primarily at intermediate levels. Furthermore, binary logistic regression was used to test the research hypothesis, concluding that financial literacy (p = 0.030) and self-control (p = 0.006) significantly influence saving, while subjective norms (p = 0.291) are not a determining factor.

Palavras-chave : savings; financial literacy; subjective norms; self-control.

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