Attitudes Toward Saving and Investing Among Young Adults Aged 18-26 in Vientiane Capital
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| Format: | Students’ Scientific Association paper |
| Kulcsszavak: | financial literacy Investment Behavior Laos Saving Young Adults |
| Online Access: | http://dolgozattar.uni-bge.hu/57902 |
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| 100 | 1 | |a Vannavong Manilath | |
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| 520 | 3 | |a The purpose of the paper is to identify the attitudes of young adults aged 18-26 towards saving and investing and evaluate determinants that influence their financial decisions. Their financial habits and perceptions can significantly influence their future country's economic stability. The main research question guiding this study is: “What are young adults aged 18-26’s attitudes towards saving and investing in Laos?” To explore this question further, three sub-questions were developed: “How important do they consider saving and investing for their future?”; “What are the main factors influencing their saving and investment decisions?"; and “What barriers do they perceive when starting to save or invest?”Quantitative Method research was used in this research through an online survey that targets young adults aged 18-26 in the Vientiane capital in Laos. The survey included a mix of multiple-choice questions and a Likert scale, designed to collect data on their financial knowledge, behavior, attitudes, and the biggest obstacle to saving and investing. I aimed for a sample size of approximately 250 respondents to be able to ensure statistical relevance. Data collections were analyzed by descriptive statistics to display key trends and insights.The survey results have underscored that many young adults understand the importance of saving but are required to be more confident and active in investing. Even with a low income, most respondents indicated they try to save regularly because it's a safer and more accessible option. However, investing is less common, with many young adults either lacking the financial knowledge to start or being careful of the risks involved. In particular, lack of financial education stands out as a significant barrier; family influence plays a strong role in financial decisions; and economic constraints include low income and limited access to financial services, making it harder for young people to consider investment options beyond traditional savings accounts.The result of this paper has suggested that improving financial literacy and creating more accessible, low-risk investment opportunities could empower young adults in Vientiane to manage their finances more confidently and consider investing as a viable option for future security. | |
| 695 | |a financial literacy | ||
| 695 | |a Investment Behavior | ||
| 695 | |a Laos | ||
| 695 | |a Saving | ||
| 695 | |a Young Adults | ||
| 700 | 1 | |a Vallyon Dr. Andrea Júlia |e ths | |
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