Personality Traits and Financial Management Behavior of University Students

International Journal of Business and Applied Economics Pub Date : 2024-01-30 DOI:10.55927/ijbae.v3i1.7309

Brandon Obenza, Johanna Paula Torrefranca, Jerald Dave Amarilla, Jobea Pandamon, Shaira Encarnacion, Genesis Getalado, Abdulnaim H. Azis

引用次数: 0

Abstract

This non-experimental quantitative study investigated the association of the five big personality traits with the financial management behavior (FMB) of university students in Davao City. Using stratified random sampling, three hundred twenty-two respondents participated in the survey. The adopted questionnaires used in collecting the data were tested using Cronbach's Alpha and Cronbach’s Alpha to ascertain their reliability and validity. Using regression analysis through SmartPLS 4.0 software, the findings revealed that conscientiousness (β=0.296, p-value=0.000), extraversion (β=0.181, p-value=0.001), and openness (β= -0.110, p-value=0.045) showed significant link towards FMB. Nevertheless, Agreeableness (β= -0.056, p-value=0.324) and Neuroticism (β= -0.034, p-value=0.553) were insignificant. Finally, the regression model explains that 14.30% of the variance in FMB of university students (F = 10.540, P-value = 0.000, R2 = 0.143, Adjusted R² = 0.129).

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大学生的人格特质与财务管理行为

这项非实验性定量研究调查了五大人格特质与达沃市大学生财务管理行为（FMB）之间的关联。通过分层随机抽样，共有 322 名受访者参与了调查。收集数据时所采用的问卷使用 Cronbach's Alpha 和 Cronbach's Alpha 进行了检验，以确定其可靠性和有效性。通过 SmartPLS 4.0 软件进行回归分析，结果显示，自觉性（β=0.296，p-value=0.000）、外向性（β=0.181，p-value=0.001）和开放性（β=-0.110，p-value=0.045）与 FMB 有显著联系。然而，宜人性（β= -0.056，p 值=0.324）和神经质（β= -0.034，p 值=0.553）则不显著。最后，回归模型解释了大学生 FMB 变异的 14.30%（F = 10.540，P 值 = 0.000，R2 = 0.143，调整 R² = 0.129）。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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International Journal of Business and Applied Economics

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