The determinants of savings behaviors among UiTM Johor e-pjj students / Kasyfullah Abu Bakar

This study is focusing on "Saving behavior among e-pjj student in UiTM Pasir Gudang. Johor prepared for final project paper in completion of the cot-uses in BBA (Hons) Finance. Over the years, numerous researchers have studied on the determinants of personal saving behaviour among the households and employees rather than young adults such as university students. Despite there are few studies focus on the financial behaviour of university students, most of the studies were not drove by theory and merely focused on single factors. Therefore, this research is aims to investigate whether financial literacy (FL), parental socialization (PS), peer influence (Pi) and self-control (SC) have significant influence on the saving behaviour (SB) of university ePJJ's students in UJiTM Pasir Gudang. Over 85 e-pjj students from UiTM Pasir Gudang campus completed the self-administered questionnaire of determinants on their saving behaviour as well as how much they saved. The respondents come from various occupations and income, so the result obtain should be generalized. The findings show that ail the FLI PS, Pi and SC have positive relationship with SB while FL has the greatest impact on SB among the four independent variables. This signifies that financial literacy is playing important roles in saving behaviour. in practical, this research can contribute to practitioners to strengthen the knowledge about personal finance- The study also can provide parents with the insights to ensure that their children follow appropriate and effective saving behaviour.