Saving behavior as the impact of financial literature with determination of education level and income level

Economic development in a country requires contributions from various industrial sectors, both the service industry and the manufacturing industry. Economic growth is assessed from people's lives through community welfare so that people's welfare is considered prosperous, the community must have a good level of education and income so that it can improve financial management behavior which will increase investment behavior both in the real sector and in the financial sector. This study aims to examine and explain saving behavior as the impact of financial literacy with the determination of education level and income level. This study used Bank Mandiri as a sample of 120 people, which were taken by distributing questionnaires. The method of sampling is random. The analysis technique used in this research is in the form of path analysis. The results showed that the level of education had no significant and significant effect on saving behavior with financial literacy as the intervening variable, while the income level variable had a weak but not significant effect on saving behavior with financial literacy as the intervening variable.