Financial Literacy in Nepal: A Survey Analysis from College Students

Bharat Singh Thapa · Surendra Raj Nepal

92 citations0/0 files storedNRB Economic Review

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Financial Literacy, Pension, Retirement Analysis Higher Education Research Studies Financial Literacy and Behavior

Abstract

This study surveys 436 college students to examine their financial literacy; the impact of demographic, educational and personality characteristics on financial literacy. Mean, ANOVA and logistic regression were used in carrying out analysis. Results show that most of the students have basic level of financial knowledge but they lack in understanding of credit, taxes, share market, financial statement and insurance. Students are highly influenced by their parents at home and they have positive attitude towards savings. The study further identified income, age, stream of education, types of college, and attitude of students as determinants of financial knowledge; and financial knowledge is unaffected by gender, university affiliation, financial behavior and influence. It is concluded that college students have basic level of financial knowledge. However, overall financial knowledge of the students is affected by some of their demographic, educational and personality characteristics.

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References

2014The Economic Importance of Financial Literacy: Theory and Evidence 2007Financial Literacy and Stock Market Participation 2009Measuring Financial Literacy 1998An Analysis of Personal Financial Literacy Among College Students 2003Household Financial Management: The Connection between Knowledge and Behavior 2007Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education 2011United States Agency for International Development 2011Financial literacy and retirement planning in the United States

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