Financial Behavior of University Students in Nepal
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Department of Management
Abstract
The thesis entitled-‘FINANCIAL BEHAVIOR OF UNIVERSITY STUDENTS in Nepal:
A Case Study of TU Students, Kirtipur’ – examines the effect of selected demographic
variables via gender, stream of education, range of family income, range of age in
years, place of origin and employment status on specified indicators of financial
behavior including spending behavior, recording keeping behavior, saving behavior,
income behavior and habit of financial service use. For this, 120 respondents of TU
studying in various faculties with different demographic variables were selected using
both probability and non-probability sampling. Self-administered questionnaire was
the instrument of taking information. Mean, frequency, percentage. Standard
deviations are the major descriptive statistics. All the responses of respondents have
been recorded in suitable format of SPSS tool using 4-point Likert scale. T-test, F-test,
regression analysis and χ2 test have been used to get P-value so that specified six
hypotheses could be tested. It has been concluded that financial behavior of selected
respondents is somehow effective having calculated mean greater than the moderate
value of financial behavior. In addition, some of the demographic variables: Genders,
educational stream, place of origin and family income have partially significant impact
on some of the indicator of financial behavior. The useful conclusion is that
management stream of the study has positive impact on all indicators of financial
behavior which is equivalent to impact of financial literacy on financial behavior.