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Factors Affecting Financial Independence of Young Adults: An Empirical Study in Vietnam
Lan NGUYEN,Quyen Thi TRINH,Thao Ngoc Minh TRAN 한국유통과학회 2021 The Journal of Asian Finance, Economics and Busine Vol.8 No.10
Nowadays, with the constant enhancement in the health of the economy, the average income and living standard have accordingly increased, making the need for financial independence a favorable choice. This research aims to identify the factors affecting the financial independence of young people. The authors implement quantitative analysis, with a set of primary data collected from a survey of 2664 Vietnamese people aged from 18 to 28. The research results demonstrate the considerable impact of monetary, psychological, group-related, and family-related factors on the financial independence of young people. The results of the sample analysis provide adequate evidence to reject the correlative relationship between family and group factors and the financial independence of young people. In addition, there are 3 factors, including demographic factors, monetary factors, and psychological factors, all have varying degrees and directions of influence on young people’s financial independence. Most of the mentioned variables reflect a positive effect on financial independence. The only exception is the education variable, illustrated by its negative standardized beta value. A significant difference in financial independence between genders also is reported, suggesting that males seem to have a higher level of financial independence than females.