Akademik Veri Yönetim Sistemi
Rize Ticaret ve Ekonomi Kongresi, Rize, Türkiye, 22 - 23 Ekim 2025, ss.83, (Özet Bildiri)
Due to economic conditions and rising costs, students face financial difficulties. These challenges may become even more severe when the students are international. In order to examine the determinants of international students’ savings, this study applies the Theory of Planned Behaviour to investigate whether financial literacy, parental attitudes, peer influence, and self-control have a significant impact on students’ saving behaviour. The main purpose of this research is to measure the strength of the relationship between selfcontrol, peer influence, financial literacy, parental attitudes and saving behaviour, and to identify the most influential factor among them. The sample consists of 484 students from Recep Tayyip Erdoğan University, covering all international students enrolled at the university. Primary data were collected through face-to-face questionnaires. The data will be analysed using Pearson correlation coefficients and multiple linear regression methods to determine whether there is a relationship between the four factors and saving behaviour among international students. A review of the literature reveals that most studies on personal saving behaviour have focused on households and employees rather than students. The findings are expected to show that self-control, peer influence, financial literacy, and parental socialization have a significant and positive relationship with the saving behaviour of international students, with parental attitudes expected to have the greatest effect among the variables. In practice, this research may contribute to retail banks in developing effective strategies to reach young savers, particularly university students. Furthermore, it may provide guidance to policymakers in encouraging savings among university students by enhancing their financial literacy. Lastly, it offers valuable insights for parents in fostering sound saving behaviour in their children.