RESEARCH ON FACTORS AFFECTING PERSONAL FINANCIAL MANAGEMENT SKILLS OF STUDENTS AT THANH DONG UNIVERSITY

Abstract

This study examines factors that influence Thanh Dong University students’ personal financial management skills, including financial knowledge, family support, spending habits, and stress levels regarding finance, as well as the use of financial instruments. Through a survey of 203 students and data analysis, the results show that financial knowledge, family support, and spending habits have a positive impact on financial management skills, while financial stress and support tools have no clear impact. Based on these findings, the study proposes solutions such as integrating financial education into the curriculum, encouraging budgeting habits, and providing financial advice to students. This research contributes to understanding the financial situation of students and offers measures to support them in managing their finances more effectively in the future.