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Student saving, does it exist?: A study of students' saving behavior, attitude towards saving and motivation to save.
Umeå University, Faculty of Social Sciences, Umeå School of Business.
Umeå University, Faculty of Social Sciences, Umeå School of Business.
2011 (English)Independent thesis Advanced level (professional degree), 20 credits / 30 HE creditsStudent thesis
Abstract [en]

Swedish households are getting deeper in debt and house prices keeps on rising. This is what happened in USA and it was one of the major causes of the recent financial crisis. To avoid a similar crisis in Sweden we think one part of the solution is to make sure that those who are students today and soon will get jobs, buy houses, take loans etcetera have necessary knowledge to do so.

Students’ saving is an area that almost completely lacked researchers’ attention, and one goal with this thesis is to point out why it’s an important subject and to increase interest among other researchers. We want to give other researcher a foundation to start from, to give an idea of what students saving looks like, so they can continue to explore this important subject.

Our research is using theories developed on private saving in American households as a background, and two psychological theories, The theory of planned behavior by Ajzen (1991) and Self-determination theory by Deci and Ryan (2000) as a foundation.

This thesis primary focus is on researching students attitude towards saving, students attitude towards stocks and students motivation towards saving. This is researched by distributing a Likert Scale based questionnaire to two groups, business students and technical energy students, a total of 133 students. The answers were collected in two classrooms and all students agreed to fill in the questionnaire leaving us with no non-response bias.

The result was very positive and quite surprising. A majority of the students in our study have a positive attitude towards saving, a slightly positive attitude towards stocks and they are motivated to save. Our conclusion is that although the result is positive students saving and students knowledge about saving can be further improved by more education. 

Place, publisher, year, edition, pages
2011. , 66 p.
Keyword [en]
Student saving, attitude, motivation, private saving, theory of planned behavior, self-determination theory
National Category
Business Administration
URN: urn:nbn:se:umu:diva-45157OAI: diva2:426372
Social and Behavioural Science, Law
Available from: 2011-06-23 Created: 2011-06-23 Last updated: 2011-06-23Bibliographically approved

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