PENGARUH DEMOGRAFI, FINANCIAL ATTITUDE, FINANCIAL KNOWLEDGE, DAN SUKU BUNGA TERHADAP PERILAKU MENABUNG MASYARAKAT KOTA SURABAYA

Savings is one of the driving forces of a country’s economy, because the higher the level of public savings in a country means the higher the level of funds used for investment. This study aims to know the effect between variable age, gender, income, education level, financial attitude, financial knowledge, and interest rate towards savings behavior. Sample used in this study are 220 respondents which taken from citizens of Surabaya City. Data analysis technique used is multiple linear regression and using software IBM SPSS version of 24. The result shows that age has no effect since as long as the person have income whether they are young or old they had the same chance to manage their financial well, gender has no effect because a person ability to savings is not determined by gender and whether man or woman both had the same chance to manage their financial, income has no effect because each respondents have different income and needed, education has no effect because savings is a necessity and not seeing one’s level of education, financial attitude has no effect because between one respondent and others has different attitude or view about savings, while financial knowledge has effect because someone who has better knowledge tend to be wiser, and interest rate has effect towards savings behavior because the higher someone’s level of savings interest rate or savings interest rate perception, the higher their savings interest. Keywords: Demography; Financial Attitude; Financial Knowledge; Interest Rates; Saving Behavior