Article Per Year (5 Year)
p-Index From 2021 - 2026
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All Journal International Journal of Accounting & Finance in Asia Pasific
Kok Ban Teoh
Universiti Sains Malaysia, Jalan Sg Dua, 11800 Minden, Pulau Pinang, Malaysia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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How Budgeting Practices Influence Financial Stability Among University Students Kok Ban Teoh; Syazwina Nadiah Binti Zulkurnein; Yinghao Sun; Syamimi Izzureen Binti Shahrin; Syarifah Nur Adawiyah Binti Syed Rizaudi; Peehu Goyal; Daisy Mui Hung Kee
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.
From Savings to Consumption: How Financial Literacy Influences College Students' Use of Electronic Wallets and Budgeting Behaviors Kok Ban Teoh; Boon Keong Teow; Dwi Nita Aryani; Zhihan Liu; Yushuo Liu; Yifei Long; Jiahui Long; Rizkyvania Betarishanti Budiani; Daisy Mui Hung Kee
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.v9i1.4389

Abstract

As mobile payments become increasingly prevalent in Asia, university students widely use electronic wallets for daily transactions, raising concerns about their financial management behavior. This study examines the effect of financial literacy on spending behavior, saving habits, and budgeting and e-wallet usage among university students. Data were collected from 150 respondents through an online survey. The findings indicate that financial literacy is negatively and significantly associated with spending behavior (r = –0.170, p 0.05) and positively associated with saving habits (r = 0.192, p 0.05). However, the relationship between financial literacy and budgeting and e-wallet usage is positive but not statistically significant (r = 0.116, p 0.05). Regression results show that financial literacy significantly reduces spending behavior (? = –0.159, p = 0.050), while its influence on budgeting behavior and e-wallet feature utilization is not significant. The model explains 6.7 percent of the variance (R² = 0.067). These findings suggest that financial literacy plays a protective role in controlling spending, but additional factors influence digital financial behavior.
Co-Authors Boon Keong Teow Daisy Mui Hung Kee Dwi Nita Aryani Jiahui Long Peehu Goyal Rizkyvania Betarishanti Budiani Syamimi Izzureen Binti Shahrin Syarifah Nur Adawiyah Binti Syed Rizaudi Syazwina Nadiah Binti Zulkurnein Yifei Long Yinghao Sun Yushuo Liu Zhihan Liu