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All Journal International Journal of Accounting & Finance in Asia Pasific
Rizaudi, Syarifah Nur Adawiyah Binti Syed
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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How Budgeting Practices Influence Financial Stability Among University Students Teoh, Kok Ban; Zulkurnein, Syazwina Nadiah Binti; Sun, Yinghao; Shahrin, Syamimi Izzureen Binti; Rizaudi, Syarifah Nur Adawiyah Binti Syed; Goyal, Peehu; Kee, Daisy Mui Hung
International Journal of Accounting and Finance in Asia Pasific (IJAFAP) Vol 9, No 1 (2026): February 2026
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v9i1.4392

Abstract

This study examines the determinants of financial stability among university students by positioning budgeting practices as a mediating mechanism within the cognition–behavior–outcome framework. Specifically, it investigates the effects of financial literacy, financial attitudes, and social norms on budgeting practices and financial stability. A quantitative approach was employed using an online survey distributed to 205 university students from several higher education institutions. Data were analyzed using descriptive statistics, correlation, and regression analysis. The results indicate that financial literacy (? = 0.444, p 0.001) and financial attitudes (? = 0.216, p 0.001) significantly influence budgeting practices, while budgeting practices strongly predict financial stability (? = 0.539, p 0.001). Although financial literacy and financial attitudes do not directly affect financial stability, social norms demonstrate a significant direct effect (? = 0.322, p 0.05). The model explains 34.8% of the variance in financial stability. Overall, the findings highlight budgeting practices as the key behavioral mechanism linking financial competence to improved financial stability, suggesting that universities should strengthen experiential financial education to enhance students’ financial resilience.
Co-Authors Goyal, Peehu Kee, Daisy Mui Hung Shahrin, Syamimi Izzureen Binti Sun, Yinghao Teoh, Kok Ban Zulkurnein, Syazwina Nadiah Binti