BIBLIOGAPHY
METHODOLOGY
(Author, Reference,
Date/Year)
http://liu.diva-
portal.org/smash/get/diva2:1139
417/FULLTEXT01.pdf
Camilla Strömbäcka , Thérèse
Linda , Kenny Skagerlundb,
Daniel Västfjäll a,b,c , Gustav
Tinghög a,d, (2017)
https://link.springer.co
m/article/10.1007/s10834-014-
9419-y
Jean M. Lown
Jinhee Kim
Michael S. Gutter
Anne-Therese Hunt(201
7)
https://www.academia.edu/3676
5072/The_Impact_of_Money_At
titude_on_Personal_Financial_M
anagement_Behavior_and_Self-
Control_as_Moderation_Variabl
es
Twenty Mariza Syafitr(2017
https://siecon3-
607788.c.cdn77.org/sites/siecon.
org/files/media_wysiwyg/288-
manfre.pdf
TITLE
Does self-control predict
financial behavior and financial
well-being?
Self-efficacy and Savings
Among Middle and Low
Income Households
The Impact of Money Attitude
on Personal Financial
Management Behavior, and Self-
Control as Moderation Variables
SAVING BEHAVIOR:
FINANCIAL SOCIALIZATION
AND SELF-CONTROL
(Research Design)
A web-based survey administrated by CMA
Research was sent in May 2016 to a diverse sample
of the adult Swedish population (aged 20–75). In
total 2063 respondents (1048 females and 1015
males, mean age of 49 years) received a small
monetary compensation for completing the survey
Logistic regression was used to test the hypothesis
that higher levels of self-efficacy are associated
with greater likelihood of saving when controlling
for age and income levels.
The type of research used in this studywas a
quantitative researchs, in which thisstudy used a
causal study that means whichresearcher wants to
delineate the cause ofone or more problems. This
study used timehorizon with one-stage or cross-
sectionalstudy, that was the data conducted
byresearchers just once collected or at one
time(Sekaran, 2009: 177).
Using novel household survey data from the United
States, we decompose the effect of financial
socialization in its direct and indirect components,
mediated through selfcontrol
FINDINGS
Our findings extend the application of the behavioral
lifecycle hypothesis beyond savings behavior, to
include general financial behavior. People with good
self-control are more likely to save money from
every pay-check, have better general financial
behavior, feel less anxious about financial matters,
and feel more secure in their current and future
financial situation.
he results confirm that saving behavior is associated
with general self-efficacy. Enhancing self-efficacy
for middle and low income individuals may
encourage saving. Implications of this research
suggest a need for additional research to further
explore this relationship and how it might be used
to enhance outreach aimed at improving savings
behavior.
The direct effect of money attitude and self-control
have a significantly influence on personal financial
management behavior. In addition, self-control has
not moderating effect on money attitude and personal
financial management behavior of among college
students in the Faculty of Economics and Business
(FEB) Bengkulu University.
Our results show that financial socialization received
early in life is positively associated with general
saving habits. Furthermore, we find that parents’
financial socialization influences the development of
children’s self-control skills. However, their
Martina Manfrè(2018)
Saving Behavior
https://www.researchgate.net/pu
blication/330425997_FACTORS
_AFFECTING_THE_SAVING_
BEHAVIOUR_OF_TAJ_INTER
NATIONAL_COLLEGE_STUD
ENTS
Zurina
Kamarudin
Jamalludin
Helmi Hasmin (2018)
https://www.google.com/url?
client=internal-element-
cse&cx=partner-pub-
9762516919014125:7343381161
&q=https://www.ssrn.com/abstra
ct
%3D3193025&sa=U&ved=2ah
UKEwia2tDf74zmAhWQBKYK
HRLnAr4QFjAAegQI
Asta Gaigalienė,Renata
Legenzova,b2018
https://content.sciendo.com/view
/journals/plua/38/333/article-
p32.xml?lang=en
Sholpan Gaisina, Lyazzat
Kaidarova 2017
ACTORS AFFECTING THE
SAVING BEHAVIOUR OF TAJ
INTERNATIONAL COLLEGE
STUDENTS
AN ASSESMENT OF SAVING
BEHAVIOR OF LITHUANIAN
HIGH SCHOOL STUDENTS
Financial Literacy of Rural
Population as a Determinant of
Saving Behavior in Kazakhsta
This is an explanatory study on the determinants of
saving behaviour among TAJ International
College’s students. Quantitative method is employed
by the researchers as the empirical assessments
consist of numerical measurement and analysis.
The quantitative questionnaire research method has
been chosen due to limited availability of the
existing data. The questionnaire was constructed
from the closed- type questions designated to collect
information on the different aspects of saving
behaviour of Lithuanian highschool students
A choice of explanatory variables was based on
recommendations of Kempson (2009) as well as
studies of Lusardi & Mitchell (2010 and 2011), and
Klapper, Lusardi & Panos (2013). In this paper other
socio-economic determinants of saving rates were
taken into account, such as an income level, family
size and an employment status. This research was
carried out in Pavlodar region of Kazakhstan, and the
data collection took place in spring 2014. In total,
contribution differs depending on the type of
financial product being analyzed.
Accordingly, this study appears for the purpose of
investigating how three factors, namely financial
literacy, parental socialization and peer influence
affect saving
behaviour based on the Theory of Planned Behaviour
(TPB).
Results of this survey are comparable with the results
of the other studies in the same age group across
different countries and with the results of Lihthuania
household surveys in other age groups.
Availability of state supported financial education
programs for rural people will significantly
contribute to the financial literacy improvement. At
the same time, providing various and appropriate
financial products in rural areas will motivate rural
people to search for new knowledge and require
authorities to intensify activities in this field
405 households were surveyed