Factors affecting personal financial management behavior of staff at Vietnam National University – Ho Chi Minh City
Vol. 134 No. 5B (2025), Original Article
Vol. 134 No. 5B (2025)

Factors affecting personal financial management behavior of staff at Vietnam National University – Ho Chi Minh City

Original Article
https://doi.org/10.26459/hueunijed.v134i5B.7911
Published 2025-06-30
Nguyen Thi Bich Loan
University of Information and Technology, Vietnam National University – Ho Chi Minh City, Linh Trung, Thu Duc, Ho Chi Minh city, Vietnam
PDF (Vietnamese)

Keywords

personal financial management behavior
financial knowledge
financial attitude
locus of control hành vi quản lý tài chính cá nhân
kiến thức tài chính
thái độ tài chính
đặc điểm kiểm soát tâm lý

Abstract

This study aims to (1) identify and clarify key factors affecting the personal financial management behavior of staff currently working at Vietnam National University-Ho Chi Minh City; (2) quantify the impact level of each factor; and (3) propose recommendations to enhance personal financial management capabilities in the context of modernization and increasing economic pressures. The methodology employs structural equation modeling (PLS-SEM) supported by SmartPLS, analyzing a two-stage process. Data was collected from the field survey, with a total of 405 valid responses. The findings indicate that three main factors significantly influence personal financial management behavior: financial attitude, financial knowledge, and external locus of control. Financial attitude and financial knowledge have direct and positive effects, whereas the external locus of control has a negative influence. Furthermore, financial knowledge indirectly influences behavior through the mediating variable external locus of control. The study proposes several managerial implications for supporting administrators in enhancing the personal financial capabilities of staff through strengthened financial education, improved attitudes, and psychological support for financial management.

https://doi.org/10.26459/hueunijed.v134i5B.7911
PDF (Vietnamese)

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