Determinant of Ethical Financial Behavior Among Under Undergraduate Students: A Conceptual Framework
Bibliographic record
Abstract
The university years will experience a significant transitional moment in which parental monitoring and oversight are diminished, and the students attain a degree of financial independence. When entering college, many students face their first financial obligations, such as paying bills, budgeting, and establishing credit. University students are also more vulnerable to making unwise financial management. Poor financial management can trigger financial problems and stress for university students. This study examines the impact of financial knowledge, money attitude, financial self-efficacy, and locus of control on ethical financial behavior among university students. The aim of this paper is to propose Ethical Financial Behavior Among Under Undergraduate Student. Methodology used by the study is based from the literature search and secondary data to come out with the suggested framework. The expected findings of the study are four segments of Ethical Financial Behavior Among Under Undergraduate Students. This study provides complementary insight regarding financial-related understanding and assists in developing financial management-associated ideas, which are beneficial not only to students but also to society.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.002 | 0.004 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.001 |
| Bibliometrics | 0.003 | 0.002 |
| Science and technology studies | 0.002 | 0.003 |
| Scholarly communication | 0.002 | 0.001 |
| Open science | 0.001 | 0.002 |
| Research integrity | 0.001 | 0.001 |
| Insufficient payload (model declined to judge) | 0.002 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".