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All Journal International Journal of Accounting & Finance in Asia Pasific
Abdullah, Haziqzul Najmi Bin
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Analyzing Savings Behavior Among University Students: A Case Study of Bank's Financial Education Initiatives Teoh, Kok Ban; Nerkar, Saurabh Ravindra; Darware, Sakshi Ajay; Zaki, Siti Nazurah binti Mohd; Taufik, Nur Ain Afiqah Binti Mohd; Abdullah, Haziqzul Najmi Bin; Renyue, Zhang; Padam, Charu; Kee, Daisy Mui Hung
International Journal of Accounting and Finance in Asia Pasific (IJAFAP) Vol 7, No 3 (2024): October 2024
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v7i3.3617

Abstract

This study investigates the impact of Maybank’s Financial Education Initiatives and financial goal-setting on the savings behavior of university students. Utilizing both primary and secondary data, the study aims to determine how financial education and the establishment of measurable financial goals influence students' savings habits. Primary data was collected through an online survey distributed to 200 university students using a Five-Point Likert Scale to measure responses regarding their participation in financial education programs, financial goals, and savings behavior. Secondary data was sourced from relevant academic journals focusing on accounting and finance research in the Asia Pacific region. The results reveal that both financial education and goal-setting significantly influence savings behavior, with financial goals exhibiting a stronger effect. Regression analysis shows that financial goals (? = 0.386) have a higher impact on savings than Maybank’s Financial Education Initiatives (? = 0.270). The study concludes that while financial literacy is crucial, goal-setting plays a more pivotal role in promoting consistent saving behavior. The findings imply that financial literacy programs should integrate goal-setting strategies to maximize their effectiveness in fostering long-term financial responsibility among students.
Co-Authors Darware, Sakshi Ajay Kee, Daisy Mui Hung Nerkar, Saurabh Ravindra Padam, Charu Renyue, Zhang Taufik, Nur Ain Afiqah Binti Mohd Teoh, Kok Ban Zaki, Siti Nazurah binti Mohd