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Rita Kusumawati

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Review Open access Sep 2026

Determinants of Saving Behavior in Higher Education: Evidence from Indonesian University Students

Despite the rapid expansion of digital financial services, improved access to financial products does not automatically foster responsible saving behaviour among young adults. This paradox highlights the need to examine saving behaviour through a more integrative theoretical lens that combines cognitive, structural, so...

Rita Kusumawati, A. Zainuri · 0 citations

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