INFLUENCING FACTORS ON SAVING BEHAVIOUR OF EMPLOYEES IN UAB BANK

The objectives of this study are to identify the saving behaviour of employees and to analyse the influencing factors on saving behaviour of employees in UAB Bank. Primary data was collected by asking 140 employees of UAB bank at Yangon with simple random sampling method. This study used regression analysis and descriptive statistics. In this study, knowledge of saving, family influence, peer pressure and self-control are considered as independent variables. Saving behaviour is dependent variable. From the results, all independent variables are influencing on saving behaviour. In this context, knowledge of saving, family influence, peer pressure and self-control influence on saving behaviour of respondents. While the strongest factor is knowledge of saving, peer pressure is not strongly influenced on saving behaviour. Therefore, this study recommends that the educational program should focus on improving the basic financial knowledge and skill. Hence, it can improve the financial knowledge, attitudes and behaviour. Additionally, employees agreed that possessing a sense of self control can help them to handle their finances in proper manners. Therefore, this suggests that it is important to monitor their financial behaviour and also establish self-control