WHAT DRIVES SAVING BEHAVIOUR AMONG UNDERGRADUATE STUDENTS OF UNIVERSITI MALAYSIA TERENGGANU?

This study addresses the issue of saving behaviours among undergraduate students Universiti Malaysia Terengganu (UMT). With role that savings play in providing long-term financial security, universities took initiative to educate and improve knowledge skills young by offering related subjects management personal finance. Besides education, influences family members, friends communities also an important shaping behaviour. Thus, objective this is examine key drivers creating behaviour, including socialisation agent, behaviour students. The data were collected from a self-administered questionnaire with total 286 respondents. analysed using multiple regression analysis. From study, agent found as main contributed towards UMT. Even though these two factors played essential students, had most significant influence cultivating