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ABSTRACT:

Financial literacy is important to be understood by everyone in order to be able to manage personal finances well. The study aims to determine the effect of financial literacy and income on saving behavior with self-control as moderation in private employees in Sidoarjo city. The analysis method used is a moderation test on smart pls with the results of research that financial literacy contributes to saving behavior, then income cannot contribute to saving behavior, and financial literacy moderated by self control of saving behavior cannot contribute, while income moderated by self-control can contribute to saving behavior.

KEYWORDS:

financial literacy, income, saving behavior, self-control

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