Factor influencing financial management behavior among university students in kathmandu valley

Authors

  • Utsab Pokharel Ace Institute of Management, New Baneshwor, Kathmandu, Nepal
  • Gaurab Wagle Ace Institute of Management, New Baneshwor, Kathmandu, Nepal

Keywords:

Financial Attitude, Financial Knowledge, Financial Management Behavior, Locus of Control, Mental Accounting, University Students

Abstract

This study examines the factors influencing financial management behavior among university students in Kathmandu Valley, based on the theory of planned behavior. It focuses on financial attitude, financial knowledge, locus of control, and mental accounting. Data were collected from 205 students using structured questionnaires through convenience sampling, and analyzed using descriptive statistics and PLS-SEM. The results show that financial knowledge, locus of control, and mental accounting significantly affect financial management behavior, while financial attitude does not. The study is limited to university students in Kathmandu Valley with cross-sectional data, which may affect generalizability. Future research should consider personal financial planning and other mediating variables. The findings provide useful insights for academics, policymakers, and financial institutions to design programs that better support students’ financial management.

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Published

12.09.2025

How to Cite

Pokharel, U., & Wagle, G. (2025). Factor influencing financial management behavior among university students in kathmandu valley. The International Journal of Social Sciences World (TIJOSSW), 7(2), 14–31. Retrieved from https://www.growingscholar.org/journal/index.php/TIJOSSW/article/view/461

Issue

Vol. 7 No. 2 (2025): July- December

Section

Articles
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Copyright (c) 2025 Utsab Pokharel, Gaurab Wagle

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