Kierunek studiów jako czynnik różnicujący praktyki finansowe studentów

Anna Surówka; Weronika Zacłona; Edyta Plata

doi:10.55225/pel.671

Authors

Anna Surówka Krakow University of Economics, Poland https://orcid.org/0009-0002-0917-0471
Weronika Zacłona AGH University of Krakow, Poland https://orcid.org/0009-0002-4233-6963
Edyta Plata University of Applied Sciences in Nowy Sacz, Poland https://orcid.org/0009-0007-7276-9889

DOI:

https://doi.org/10.55225/pel.671

Keywords:

students, personal finance, economic behaviour, fields of study

Abstract

The period of university education represents a crucial stage in the development of economic competencies among young adults, during which financial decisions affect both current functioning and future attitudes toward resource management. The field of study, as a factor shaping knowledge, skills, and career perspectives, may significantly differentiate students’ everyday financial practices.
The aim of this study was to verify the relationship between the field of study and students’ everyday financial practices. The analysis included budget levels, sources of income, the amount of savings, and spending purposes. The research was conducted in May and June 2025 among students from three higher education institutions in Poland, using a proprietary online questionnaire, and quantitative analysis methods supplemented with statistical visualization.
The findings allowed for the identification of significant differences in financial behaviors among student groups, indicating, among others, specific patterns of budget management and varying levels of economic independence. The conclusions derived from this study contribute to the academic discourse in the field of economic education and hold practical value, as they may serve as a starting point for designing initiatives to support the development of young adults’ financial competencies.

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