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arXiv · 2507.21254

Determinants of Saving Behavior Among Employees in Dhaka, Bangladesh

Soumita Roy·Md Muntasir Kamal Dihan·Tasnimah Haque·Nafisa Nomani·Sadia Islam Preety
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Abstract

Purpose With an emphasis on elements like financial knowledge, financial attitude, social influence, financial self-efficacy, and financial management practices, this study explores the factors that influence employees' saving behavior in Dhaka, Bangladesh. We also welcome others to work on saving behavior, which is the main reason for publishing. The purpose is to make others aware of the methods for quantitative financial behavior analysis in Bangladesh. Design/methodology/approach The study uses a quantitative approach with a cross-sectional survey design. Data was collected from 40 participants through a structured questionnaire adapted from reliable sources. The questionnaire captured demographic information and used established items to measure the key variables. Data analysis included descriptive statistics, reliability analysis using Cronbachs alpha, and regression analysis to test the hypothesized relationships. Findings The results indicate that among the factors examined, only financial management practices had a significant positive relationship with saving behavior. Rest of the factors did not show significant relationships with saving behavior in this study sample. Limitation or Disclaimer It is still a work in progress, this paper is meant for pre-print with mostly incomplete and limited data. No data cleaning was performed, so it is very likely to include outliers and faulty data. Originality or value This study contributes to the limited research on saving behavior determinants in the Bangladeshi context, specifically among employees in the capital city of Dhaka. It explores the influence of multiple factors, including the rarely studied aspect of social influence.

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Soumita Roy, Md Muntasir Kamal Dihan, Tasnimah Haque, Nafisa Nomani, Sadia Islam Preety. 2025-07-28. Determinants of Saving Behavior Among Employees in Dhaka, Bangladesh. https://arxiv.org/abs/2507.21254

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