The Nexus between Personality Traits and Financial Self-Efficacy of College Students

Authors

  • Lady Bea Tejano University of Mindanao, Davao City, Philippines
  • Jamaine Rafaella Larracochea University of Mindanao, Davao City, Philippines
  • Ashly Mae Pardillo University of Mindanao, Davao City, Philippines
  • Byrel Nicole Lanzaderas University of Mindanao, Davao City, Philippines
  • Ralph Joe Dologuin University of Mindanao, Davao City, Philippines
  • Christian Enad University of Mindanao, Davao City, Philippines
  • Mark Joshan Veyra University of Mindanao, Davao City, Philippines
  • Mark Joel Ortiz University of Mindanao, Davao City, Philippines
  • John Harry Caballo University of Mindanao, Davao City, Philippines
  • Dianne Mariz Nacua Obenza-Tanudtanud Department of Education, Cotabato Division, Philippines

DOI:

https://doi.org/10.54536/ajfti.v3i1.3926

Keywords:

College Students, Personality Traits, Regression Analysis, Self Efficacy

Abstract

This quantitative correlational study explores the relationship between personality traits and financial self-efficacy among college students. Data were collected online through Google forms using validated instruments and respondents were identified using stratified random sampling. The study employed descriptive statistics and regression analyses using Jamovi and SmartPLS 4.0 softwares. Anchored in the Big Five Personality Traits model and Financial Self-Efficacy Theory, the results showed that the research constructs meet validity and reliability standards. Findings revealed that Conscientiousness and Extraversion positively influence financial self-efficacy, while Neuroticism has a negative effect. These results highlight the role of personality traits in shaping financial self-efficacy among students.

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Published

2025-03-18

How to Cite

Tejano, L. B., Larracochea, J. R., Pardillo, A. M., Lanzaderas, B. N., Dologuin, R. J., Enad, C., Veyra, M. J., Ortiz, M. J., Caballo, J. H., & Obenza-Tanudtanud, D. M. N. (2025). The Nexus between Personality Traits and Financial Self-Efficacy of College Students. American Journal of Financial Technology and Innovation, 3(1), 41–46. https://doi.org/10.54536/ajfti.v3i1.3926

Issue

Vol. 3 No. 1 (2025): American Journal of Financial Technology and Innovation

Section

Research Articles

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Copyright (c) 2025 Lady Bea Tejano, Jamaine Rafaella Larracochea, Ashly Mae Pardillo, Byrel Nicole Lanzaderas, Ralph Joe Dologuin, Christian Enad, Mark Joshan Veyra, Mark Joel Ortiz, John Harry Caballo, Dianne Mariz Nacua Obenza-Tanudtanud

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This work is licensed under a Creative Commons Attribution 4.0 International License.