INVESTIGATING THE FINANCIAL SAVING BEHAVIOR: A SURVEY WITH UNIVERSITY EMPLOYEES

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2022-6-29

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Güleç, Mert

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Personal financial stability and independence is a goal that is objectively recognized as good, and it can be achieved by most people only by regular acts of financial saving behavior. The purpose of this thesis is to investigate the impact of demographics, personality traits, financial literacy and Covid-19 risk perception on saving behavior of Middle East Technical University (METU) employees by using the theory of planned behavior. The study aims to contribute to the literature by adding COVID-19 risk perception variable and also by using personality traits and financial literacy in relation to saving on the Turkish context. In addition to intention to save that is being used in TPB, we also investigate the saving behavior as the dependent variable. Participants were asked whether their income exceeded their spendings or not and if so, what percentage could they save from their income to measure the behavior of saving and theory of planned behavior questions were used to measure the intention of saving. Data was collected through an anonymous web survey conducted on METU survey service platform with 130 respondents. The results show that the theory of planned behavior is a good fit and financial literacy has a significant role on intention to save.

Subject Keywords

saving behavior, theory of planned behavior, personality traits, financial literacy, covid-19 risk perception

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https://hdl.handle.net/11511/97923

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Graduate School of Social Sciences, Thesis

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Citation Formats

M. Güleç, “INVESTIGATING THE FINANCIAL SAVING BEHAVIOR: A SURVEY WITH UNIVERSITY EMPLOYEES,” M.B.A. - Master of Business Administration, Middle East Technical University, 2022.