Abstract
Purpose – The main purpose of this study is to examine the effect of
financial literacy, financial risk tolerance, and emotional intelligence on
financial behavior among undergraduate students of Tribhuvan University.
Design/methodology/approach – The research design adopted in this
study was a causal. This study collected the relevant data based on
a structured questionnaire with the help of five-point Likert scale
among 155 students of Tribhuvan University. The data were collected
through a convenience sampling method, and were analyzed using SPSS
to determine the relationship between variables.
Findings – The findings show that emotional intelligence, financial
literacy, and financial risk tolerance had a significant influence on financial
behavior of undergraduate students. High financial literacy and emotional
intelligence were seen as good predictors of better financial practices. The
outcomes of the research revealed that financial literacy and emotional
intelligence can be relevant to the enhancement of financial behavior
among students of the university.
Implications – The implications of the research address on improving the
levels of financial literacy and emotional intelligence which helps students
achieve good financial habits. Governments and educational institutions
are supposed to incorporate financial education and skills training in the
curriculum to enhance the financial decision-making process of students.
Originality/value – The research enhances its significance by highlighting
how cognitive financial knowledge and emotional competencies jointly
influence students’ budgeting, saving, spending, and financial decisionmaking
practices. The findings are expected to provide useful insights for
educators, policymakers, and financial institutions in designing educational
interventions and financial awareness programs that promote responsible
financial behavior among young adults.
Keywords – Emotional intelligence, Financial behavior, Financial literacy,
Financial risk tolerance, Undergraduate students.
Paper – Research paper

---