International Journal on Science and Technology

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Volume 16 Issue 3
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Financial Aspirations and Decision Making among Students: The Mediating Role of Financial Habits

Author(s) Ms. DIVYA C, Dr. Gomathi Subramanianm
Country India
Abstract This study explores the relationship between financial aspirations and financial decision-making among students, with a particular focus on the mediating role of financial habits. Using quantitative data collected from a sample of college students, this paper investigates how students' financial goals influence their day-to-day financial behaviors and decisions. The findings indicate that students who cultivate positive financial habits, such as budgeting, saving, and investing, are more likely to make informed financial decisions that align with their long-term objectives. Conversely, students with poor financial habits tend to make impulsive financial decisions that may hinder their ability to achieve their financial aspirations. The study's results underscore the importance of promoting financial literacy and education among university students, highlighting the need for targeted interventions and support services that foster healthy financial habits and decision-making skills. By empowering students with the knowledge and skills necessary to manage their finances effectively, educators and policymakers can help them navigate the complexities of financial decision-making and achieve their financial goals.
Keywords Financial aspirations, financial decision-making, financial habits, students, financial literacy
Field Sociology > Banking / Finance
Published In Volume 16, Issue 3, July-September 2025
Published On 2025-08-30
DOI https://doi.org/10.71097/IJSAT.v16.i3.7945
Short DOI https://doi.org/g9z5nj
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