Gender Differences in Saving Behavior Determinants among University Students

Abstract

This paper aims to examine the moderating effect of gender on the relationship between childhood consumer experiences, primary and secondary socialization agents’ influence, financial knowledge and financial skills on savings behavior. Data were collected from Malaysian public and private university students. Samples were selected using a stratified sampling technique. A total of 11 universities were randomly selected for the study and 350 questionnaires (300 for in campus and 50 for off-campus students) were distributed to students through the student affairs divisions of the respective universities. A total of 2,340 questionnaires were selected to run the data analysis. A multi-group analysis approach using Amos was applied to assess the moderating effect of gender. The results indicated that males have a higher level of financial knowledge, financial skills, perceived earlier childhood consumer practices and better savings behavior than female students. The results of testing the structural equation model revealed that gender significantly moderates the effect of childhood consumer experiences, primary and

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