Purpose

This study aims to validate the money management intention screening questionnaire under the framework of theory of planned behavior, which includes attitude, subjective norms, perceived behavioral control and intention.

Design/methodology/approach

A total of 919 undergraduate students with loans were randomly selected and grouped into four sub-studies to address the psychometric properties of the imposed structure. The item–object congruence, confirmatory factor analysis (CFA), test–retest reliability method and other statistical tests were carried out for item selection and confirmation. Two self-reported measures, namely, Saving Behavior Scale and Short Dark Triad (SD3-Thai version), were applied for the measure concurrent validation.

Findings

The final 12 items with four-component structures were deemed reliable and generally valid in university students with loans, with CFA results indicating good fit indices (χ² = 96.44, df = 43; CFI = 0.96; GFI = 0.94; RMSEA = 0.06). The test–retest method indicated values between 0.66 (subjective norm) and 0.71 (attitude). Machiavellianism from SD3-TH and saving attitude from the Saving Behavior Scale showed the strongest significant relation among the items. The abbreviation of the 12-item structure was labeled in the Money Management Intention Questionnaire (MMIQ-TPB).

Research limitations/implications

This study provided a reliable and valid substantial structure for identifying money management intention. However, there was a consideration that MMIQ-TPB questions referred to cognitive influences through intention; thus, it was designed to cover the intended preparation and not in the action stage.

Practical implications

Great money management practically predicts a lower likelihood of being in debt. Attentive educators or loan providers can thus benefit from this alternative structure as a screening scale for identifying risky cognitive mismanagement.

Social implications

The evidence provided in this study highlights the possibility of identifying students who necessarily need a program to improve their monetary management skills during their studying periods. Policymakers could address this problem at the first stage of the general mode in the loan providing operation.

Originality/value

This study bridges the gap in the literature on financial behavioral changes for establishing money management intention among undergraduate students with loans. Furthermore, it confirms the advantages and disadvantages of having certain dark personality traits in a financial context.

中文翻译：

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改革计划行为理论以衡量理财意图：学生债务人中的一项验证研究

目的

本研究旨在验证计划行为理论框架下的理财意向筛查问卷，该问卷包括态度，主观规范，知觉行为控制和意向。

设计/方法/方法

随机抽取了919名带贷款的大学生，并将其分为四个子研究，以研究所施加结构的心理计量特性。为了选择和确认项目，进行了项目-对象一致性，验证性因子分析（CFA），重测-重测信度方法和其他统计测试。两种同时报告的自我报告的措施，即“储蓄行为量表”和“短黑三合会”（SD3-泰国版），用于该措施的同时验证。

发现

最后12个项目与四种成分结构视为是可靠的，并且通常在大学学生贷款有效，用CFA结果表明良好的拟合指数（χ ²  = 96.44，DF = 43; CFI = 0.96; GFI = 0.94; RMSEA = 0.06） 。重测方法表明值介于0.66（主观标准）和0.71（态度）之间。SD3-TH的马基雅维主义和储蓄行为量表的储蓄态度显示出这些项目之间最强的显着关系。货币管理意向调查表（MMIQ-TPB）中标记了12个项目的缩写。

研究局限/意义

这项研究为确定理财意图提供了可靠有效的实质性结构。但是，有人认为MMIQ-TPB问题是指通过意图进行的认知影响。因此，它旨在涵盖预期的准备工作，而不是在行动阶段。

实际影响

大笔资金管理实际上预示着负债的可能性会降低。因此，专注的教育者或贷款提供者可以从这种替代结构中受益，作为一种筛查量表，用于识别危险的认知管理不善。

社会影响

这项研究提供的证据突出了识别可能需要识别学生的可能性，这些学生在学习期间必须要有一个计划来提高其货币管理技能。政策制定者可以在提供贷款的一般模式的第一阶段解决这个问题。

创意/价值

这项研究弥合了关于金融行为变化的文献中建立贷款本科生理财意向的空白。此外，它证实了在财务背景下具有某些黑暗人格特质的优点和缺点。