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Given the study is deficiently to clarify all of the orderly fluctuation, future studies are prescribed to include mediating variables to manner better explain the relationship between independent variables and dependent variable. For occasion, perhaps a student with excessive degree of financial literacy and self-comtrol is not possibly to cultivate a saving behaviour when you consider that she or he does no longer consider to save. In different words, saving behaviour is set up as it became in case of deliberate to save is formed, and the deliberate to save is frequently inspired by different independent variables including financial literacy and self-control. On this manner, mediating variable can assure the future analysts to actually finish upon the connection among independent and dependent variable.

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