Exploring savings and spending behaviour among university graduates in Bangladesh

Sojib Islam, Rahatul Islam and Raad Mozib Lalon
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Sojib Islam: Department of Banking and Insurance, University of Dhaka
Rahatul Islam: Department of Banking and Insurance, University of Dhaka
Raad Mozib Lalon: University of Dhaka

International Journal of Research in Business and Social Science (2147-4478), 2025, vol. 14, issue 2, 233-240

Abstract: This paper examines the financial behaviors of university students in Bangladesh, including gender and academic level. The study, involving a sample size of 416 students, was done at the University of Dhaka using a standardized questionnaire to collect data on financial behaviors, including monthly expenditures, saving habits, and financial decision-making techniques. One-way ANOVA and independent samples t-tests indicated significant gender disparities; male students showed greater spending habits, whilst female students displayed a stronger propensity for savings. Academic levels influenced spending behaviors; first-year students had distinct financial patterns compared to seniors, however, savings habits were rather consistent across groups. The findings emphasize the necessity of encouraging structured saving strategies and financial awareness among university students. Identifying substantial demographic and behavioral insights in this study aids legislators and financial institutions in improving customized financial planning strategies for students. The research highlights the potential for future studies to incorporate private colleges and investigate the impact of socioeconomic issues and digital payment systems on student financial conduct that may mold Bangladesh's orderly and economical student demographic. Key Words:Spending Behavior, Saving Habits, Financial Literacy, University students, Gender and Academic level difference

Date: 2025
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