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<p>This study examines the determinants of saving behavior (SB) among university students in Bangladesh, an emerging market economy (EME), by integrating financial literacy (FL), self-control (SC), peer influence (PI), intention to save (IS), and parental socialization (PS) within an extended Theory of Planned Behavior (TPB) framework. Using survey data from 372 public university students, the study applies Partial Least Squares Structural Equation Modeling (PLS-SEM) to test direct, mediating, and moderating effects. The results indicate that FL and SC significantly enhance SB, while PI has no direct effect. IS significantly mediates the relationships between FL and SB and between PI and SB, but not the relationship between SC and SB, indicating that SC has only a direct effect on SB. In addition, PS significantly moderates the IS–SB relationship, strengthening the translation of intention into actual SB. These results expand TPB by showing that SB not only stems from intention-related determinants but also through self-regulation and environmental factors within the family. This paper can serve as a resource to scholars engaged in the area of personal finance management as well as behavioral economics in the context of EMEs.</p>

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Antecedents of student saving behavior in Bangladesh: a structural equation modeling analysis

  • 期刊论文

  • 发表日期：

    2026年5月7日

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  • Appel Mahmud

摘要

This study examines the determinants of saving behavior (SB) among university students in Bangladesh, an emerging market economy (EME), by integrating financial literacy (FL), self-control (SC), peer influence (PI), intention to save (IS), and parental socialization (PS) within an extended Theory of Planned Behavior (TPB) framework. Using survey data from 372 public university students, the study applies Partial Least Squares Structural Equation Modeling (PLS-SEM) to test direct, mediating, and moderating effects. The results indicate that FL and SC significantly enhance SB, while PI has no direct effect. IS significantly mediates the relationships between FL and SB and between PI and SB, but not the relationship between SC and SB, indicating that SC has only a direct effect on SB. In addition, PS significantly moderates the IS–SB relationship, strengthening the translation of intention into actual SB. These results expand TPB by showing that SB not only stems from intention-related determinants but also through self-regulation and environmental factors within the family. This paper can serve as a resource to scholars engaged in the area of personal finance management as well as behavioral economics in the context of EMEs.