Analysis of Student Financial Behavior

Marcu Laura (), Cosma Maria Roxana () and Vasilache Petrut Cristian ()
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Marcu Laura: Wallachia University, Targoviste
Cosma Maria Roxana: Technical University of Civil Engineering Bucharest
Vasilache Petrut Cristian: Bucharest

Proceedings of the International Conference on Business Excellence, 2025, vol. 19, issue 1, 5427-5436

Abstract: The research aims to study the financial behavior of students at the University of Bucharest and the factors that, according to specialized literature, contribute to its formation and positive shaping. Several factors were studied using a quantitative paradigm: family financial socialization, level of financial self-control and exposure to financial education. The overall picture of the financial behavior of the students who participated in the research (students at the University of Bucharest completing a self-administered questionnaire) illustrates relatively healthy financial behavior. This paper describes raw information from the analysis of a compilation study on financial behaviors of college students. The key goal is to determine the view, which impact on financial behavior and the overall quality of life for the students in the survey. Bivariate analyses of the data have uncovered that frequencies of performing positive financial behaviors are associated with many factors such as attitude toward performing the behavior, perceived control, parental influence, peer influence, class standing and so on. Furthermore, engaging in positive financial behaviors is associated with higher levels of financial satisfaction, physical health, mental health, academic performance and satisfaction, and even life satisfaction.

Keywords: financial behavior; education; financial planning; investment; budget planning; financial management. (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:vrs:poicbe:v:19:y:2025:i:1:p:5427-5436:n:1021

DOI: 10.2478/picbe-2025-0414

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