The determinants of personal saving among undergraduate students in Universiti Malaysia Kelantan, City Campus

The understanding of personal saving among undergraduate students is a significant area of research due to its implications for financial well-being and future financial security. This study aims to explore the relationship that influences personal saving behaviour among undergraduate students, with a focus on the Theory of Planned Behaviour (TPB). The TPB provides a theoretical framework to examine the relationship between financial literacy, family influence, peer influence, and self-control on personal saving behaviour. The study employs a quantitative approach, utilising a structured questionnaire to collect data from a sample of 346 undergraduate students. The questionnaire consisted of items that measured participants' levels of financial literacy, perceived family influence, perceived peer influence, self control, and personal saving behaviour. Statistical analyses, including inferential and correlation analyses, were conducted to examine the relationships between these variables. In summary, the study on personal saving behaviour among students contributes to the existing knowledge by examining the influence of financial literacy, family influence, peer influence, and self-control. It provides insights into the factors that shape students' saving habits and highlights the significance of financial education and support systems in promoting positive saving behaviour. The findings have implications for both research and practice, aiding in the development of effective interventions to enhance students' financial well-being and long-term financial security.