References
Acharya, D. S., Bhat, P. S., & Sumalatha, P. J. (2023). A study on financial literacy and investment behaviour of teachers. Journal of Survey in Fisheries Sciences, 10(1S), 5096-5106. Adeyemi, T., & Oladipo, S. (2021). Decision-making processes among university students: Patterns and outcomes. International Journal of Management Studies, 28(3), 45–60. Admasu, A. (2024). The effect of financial literacy on financial decision making in local non- governmental organizations (Doctoral dissertation, St. Mary’s University). Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. Ajzen, I. (2015). The theory of planned behavior: Reactions and reflections. Psychology & Health, 26(9), 1113–1127. Ajzen, I. (2020). The theory of planned behavior: Frequently asked questions. Retrieved from https://people.umass.edu/aizen/pdf/tpb.questions.pdf Appiah, J. (2019). Financial literacy and saving behaviour among teaching and non-teaching staff of Swedru School of Business (Doctoral dissertation, University of Cape Coast). Aprea, C., Capuano, N., & Zaleski, T. (2022). Understanding financial risk awareness: Implications for consumer decision-making. Journal of Consumer Behaviour, 21(5), 869–883. Armitage, C. J., & Conner, M. (2001). Efficacy of the theory of planned behaviour: A meta- analytic review. British Journal of Social Psychology, 40(4), 471–499. Arthur, H. B. (2019). Financial literacy, financial behaviour and savings behaviour among owner-managers of small and medium-scale enterprises in Awutu Senya East District (Doctoral dissertation, University of Cape Coast). Bhandari, A. (2025). Financial literacy and investment decisions of individual investors in the Nepal Stock Exchange (Doctoral dissertation, University of Gloucestershire). Closs, L., Mahat, M., & Imms, W. (2022). Learning environments’ influence on students’ learning experience in an Australian Faculty of Business and Economics. Learning environments research, 25(1), 271-285. Conner, M., & Armitage, C. J. (1998). Extending the theory of planned behavior: A review and avenues for further research. Journal of Applied Social Psychology, 28(15), 1429–1464. Ehiedu, C. V., & Onwaeze, O. (2025). Effect of financial structure on financial performance of non-financial firms in Nigeria. World Journal of Finance and Investment Research, 9(7), 47-66. Elbanna, S., Eissa, M. A., & Armstrong, L. (2025). Financial literacy in the modern economy: Bridging the knowledge gap for entrepreneurs and beyond. In The future of education policy in the State of Qatar (pp. 147-173). Springer Nature Singapore. Fishbein, M., & Ajzen, I. (1975). Belief, attitude, intention and behavior: An introduction to theory and research. Addison-Wesley. Godin, G., & Kok, G. (1996). The theory of planned behavior: A review of its applications to health-related behaviors. American Journal of Health Promotion, 11(2), 87–98. Goyal, K., & Kumar, S. (2023). Financial knowledge and investment decision making: Evidence from emerging economies. Journal of Behavioral Finance, 24(3), 312–326. Kadoya, Y., & Khan, M. S. R. (2024). Investment literacy and financial decision making. International Review of Economics, 71(1), 85–102. Klapper, L., Lusardi, A., & van Oudheusden, P. (2022). Financial literacy around the world: Insights from the Global Financial Literacy Survey. World Bank Policy Research Working Paper, 10104, 1–40. Lusardi, A., & Mitchell, O. S. (2023). The importance of financial literacy: Opening a new field. Journal of Economic Perspectives, 37(4), 137-154. Mekdessi, S., Saliba, G., Makdissi, E., & Makdissi, R. (2025). Financial literacy as a catalyst for rational investment behavior: Evidence among university students in a crisis- affected economy. International Journal of Business and Management , 4(2), 441-469. Miller, K., & Sardais, C. (2022). Fundamentals of business decision-making. Journal of Business Research, 135, 101–110. Montano, D. E., & Kasprzyk, D. (2015). Theory of reasoned action, theory of planned behavior, and the integrated behavioral model. In K. Glanz, B. K. Rimer, & K. Viswanath (Eds.), Health behavior: Theory, research, and practice (5th ed., pp. 95–124). Jossey-Bass. Njoroge, J., & Gichira, P. (2021). Decision-making competence and resource allocation in student enterprises. African Journal of Management Research, 9(1), 33–50. Nugraha, F. M., Tulung, J. E., & Arie, F. V. (2021). The impact of financial literacy and financial inclusion on investment decision in Manado. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi, 9(3). Sniehotta, F. F., Scholz, U., & Schwarzer, R. (2005). Bridging the intention–behaviour gap: Planning, self-efficacy, and action control in the adoption and maintenance of physical exercise. Psychology & Health, 20(2), 143–160. Suresh, G. (2024). Impact of financial literacy and behavioural biases on investment decision- making. FIIB Business Review, 13(1), 72-86. Tuan, L. H. A. (2023). The entrepreneurial pathway of Vietnamese super-rich. The sources of their successful business performance. International journal of entrepreneurship and small business, 10, 1-17. Xiao, J. J. (2022). Personal financial literacy: An overview of theory and evidence. Journal of Family and Economic Issues, 43(1), 1–14.