FACTORS AFFECTING PERSONAL FINANCIAL INVESTMENT BEHAVIOR OF STUDENTS AT HANOI UNIVERSITY OF INDUSTRY

Abstract

Effective financial investment towards personal financial freedom is a trend
that many university students are aiming for in the context of digital
transformation and the deepening Industrial Revolution 4.0. However, what
barriers affect students' personal financial investment decisions is a matter of
concern. The study selects the scope of the study as students of Hanoi University
of Industry to assess the factors affecting the financial investment behavior of
students. The data used in the study is primary data through survey results from
251 students. The hypotheses in the study were tested through the partial least
squares structural model PLS-SEM, data processing through SmartPLS3.0
software. The research results show that the factors affecting personal financial
investment behavior include: Subjective standards, controllability and financial
capacity, learning environment.