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September 18, 2025Golden Ratio of Finance Management

The Determinants of Financial Literacy, Consumptive Lifestyle and Parental Support on the Emergency Fund Formations among University Student in Makassar

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Authors

AGAlfons GiauwNPNovieanty PagilingVGVinshen Giauw

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Overview

Quantitative analysis highlights financial literacy and parental support's role in enhancing emergency fund formation in students, indicating that lifestyle habits negatively affect savings.

Key Points

  • Financial literacy and parental support significantly enhance emergency fund formation among university students.
  • A consumptive lifestyle adversely impacts the ability to save for emergencies, reducing financial readiness.
  • The study analyzed survey data from 203 university respondents to identify key determinants of financial preparedness.
  • Findings point to the need for improved financial education and parental engagement to bolster students' financial security.

Cite This Study

Giauw et al. (2025) studied this question.

synapsesocial.com/papers/68d461d231b076d99fa6149ahttps://doi.org/10.52970/grfm.v5i2.1420
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