id	sid	tid	token	lemma	pos
hassl-4380	1	1	1037	1037	NUM
hassl-4380	1	2	©	©	PROPN
hassl-4380	1	3	2025	2025	NUM
hassl-4380	1	4	conscientia	conscientia	PROPN
hassl-4380	1	5	beam	beam	PROPN
hassl-4380	1	6	.	.	PUNCT
hassl-4380	2	1	all	all	DET
hassl-4380	2	2	rights	right	NOUN
hassl-4380	2	3	reserved	reserve	VERB
hassl-4380	2	4	.	.	PUNCT
hassl-4380	3	1	the	the	DET
hassl-4380	3	2	impact	impact	NOUN
hassl-4380	3	3	of	of	ADP
hassl-4380	3	4	financial	financial	ADJ
hassl-4380	3	5	literacy	literacy	NOUN
hassl-4380	3	6	on	on	ADP
hassl-4380	3	7	financial	financial	ADJ
hassl-4380	3	8	behaviors	behavior	NOUN
hassl-4380	3	9	:	:	PUNCT
hassl-4380	3	10	the	the	DET
hassl-4380	3	11	case	case	NOUN
hassl-4380	3	12	of	of	ADP
hassl-4380	3	13	university	university	NOUN
hassl-4380	3	14	students	student	NOUN
hassl-4380	3	15	in	in	ADP
hassl-4380	3	16	hanoi	hanoi	PROPN
hassl-4380	3	17	,	,	PUNCT
hassl-4380	3	18	vietnam	vietnam	PROPN
hassl-4380	3	19	huong	huong	PROPN
hassl-4380	3	20	tran	tran	PROPN
hassl-4380	3	21	thi	thi	VERB
hassl-4380	3	22	thu1	thu1	PROPN
hassl-4380	3	23	+	+	PROPN
hassl-4380	3	24	quynh	quynh	PROPN
hassl-4380	3	25	nguyen	nguyen	PROPN
hassl-4380	3	26	khanh2	khanh2	PROPN
hassl-4380	3	27	vi	vi	PROPN
hassl-4380	4	1	nguyen	nguyen	PROPN
hassl-4380	4	2	khanh3	khanh3	PROPN
hassl-4380	4	3	mai	mai	PROPN
hassl-4380	4	4	dao	dao	AUX
hassl-4380	4	5	phuong4	phuong4	PROPN
hassl-4380	4	6	duc	duc	PROPN
hassl-4380	4	7	ha	ha	INTJ
hassl-4380	4	8	trung5	trung5	PROPN
hassl-4380	5	1	1,2,3,4,5banking	1,2,3,4,5banke	VERB
hassl-4380	5	2	academy	academy	NOUN
hassl-4380	5	3	of	of	ADP
hassl-4380	5	4	vietnam	vietnam	PROPN
hassl-4380	5	5	,	,	PUNCT
hassl-4380	5	6	vietnam	vietnam	PROPN
hassl-4380	5	7	.	.	PUNCT
hassl-4380	6	1	1email	1email	NUM
hassl-4380	6	2	:	:	PUNCT
hassl-4380	6	3	huongtran@hvnh.edu.vn	huongtran@hvnh.edu.vn	ADJ
hassl-4380	6	4	2email	2email	NUM
hassl-4380	6	5	:	:	PUNCT
hassl-4380	6	6	nguyenkhanhquynh824@gmail.com	nguyenkhanhquynh824@gmail.com	X
hassl-4380	6	7	3email	3email	NUM
hassl-4380	6	8	:	:	PUNCT
hassl-4380	6	9	nguyenkhanhvi2412@gmail.com	nguyenkhanhvi2412@gmail.com	X
hassl-4380	7	1	4email	4email	NOUN
hassl-4380	7	2	:	:	PUNCT
hassl-4380	7	3	phuongmaidao1411@gmail.com	phuongmaidao1411@gmail.com	X
hassl-4380	8	1	5email	5email	NUM
hassl-4380	8	2	:	:	PUNCT
hassl-4380	8	3	ducht221@gmail.com	ducht221@gmail.com	X
hassl-4380	8	4	(	(	PUNCT
hassl-4380	8	5	+	+	CCONJ
hassl-4380	8	6	corresponding	correspond	VERB
hassl-4380	8	7	author	author	NOUN
hassl-4380	8	8	)	)	PUNCT
hassl-4380	8	9	abstract	abstract	ADJ
hassl-4380	8	10	article	article	NOUN
hassl-4380	8	11	history	history	NOUN
hassl-4380	8	12	received	receive	VERB
hassl-4380	8	13	:	:	PUNCT
hassl-4380	8	14	23	23	NUM
hassl-4380	8	15	may	may	AUX
hassl-4380	8	16	2025	2025	NUM
hassl-4380	8	17	revised	revise	VERB
hassl-4380	8	18	:	:	PUNCT
hassl-4380	8	19	28	28	NUM
hassl-4380	8	20	july	july	PROPN
hassl-4380	8	21	2025	2025	NUM
hassl-4380	8	22	accepted	accept	VERB
hassl-4380	8	23	:	:	PUNCT
hassl-4380	8	24	13	13	NUM
hassl-4380	8	25	august	august	PROPN
hassl-4380	8	26	2025	2025	NUM
hassl-4380	8	27	published	publish	VERB
hassl-4380	8	28	:	:	PUNCT
hassl-4380	8	29	28	28	NUM
hassl-4380	8	30	august	august	PROPN
hassl-4380	8	31	2025	2025	NUM
hassl-4380	8	32	keywords	keyword	NOUN
hassl-4380	8	33	consumption	consumption	NOUN
hassl-4380	8	34	behavior	behavior	NOUN
hassl-4380	8	35	financial	financial	ADJ
hassl-4380	8	36	behaviors	behavior	NOUN
hassl-4380	8	37	financial	financial	ADJ
hassl-4380	8	38	literacy	literacy	NOUN
hassl-4380	8	39	investment	investment	NOUN
hassl-4380	8	40	decision	decision	NOUN
hassl-4380	8	41	saving	save	VERB
hassl-4380	8	42	behavior	behavior	NOUN
hassl-4380	8	43	.	.	PUNCT
hassl-4380	9	1	this	this	DET
hassl-4380	9	2	study	study	NOUN
hassl-4380	9	3	aims	aim	VERB
hassl-4380	9	4	to	to	PART
hassl-4380	9	5	examine	examine	VERB
hassl-4380	9	6	the	the	DET
hassl-4380	9	7	influence	influence	NOUN
hassl-4380	9	8	of	of	ADP
hassl-4380	9	9	financial	financial	ADJ
hassl-4380	9	10	literacy	literacy	NOUN
hassl-4380	9	11	on	on	ADP
hassl-4380	9	12	the	the	DET
hassl-4380	9	13	financial	financial	ADJ
hassl-4380	9	14	behaviors	behavior	NOUN
hassl-4380	9	15	of	of	ADP
hassl-4380	9	16	university	university	NOUN
hassl-4380	9	17	students	student	NOUN
hassl-4380	9	18	in	in	ADP
hassl-4380	9	19	hanoi	hanoi	PROPN
hassl-4380	9	20	,	,	PUNCT
hassl-4380	9	21	vietnam	vietnam	PROPN
hassl-4380	9	22	.	.	PUNCT
hassl-4380	10	1	the	the	DET
hassl-4380	10	2	research	research	NOUN
hassl-4380	10	3	applies	apply	VERB
hassl-4380	10	4	a	a	DET
hassl-4380	10	5	quantitative	quantitative	ADJ
hassl-4380	10	6	method	method	NOUN
hassl-4380	10	7	,	,	PUNCT
hassl-4380	10	8	using	use	VERB
hassl-4380	10	9	questionnaires	questionnaire	NOUN
hassl-4380	10	10	to	to	PART
hassl-4380	10	11	collect	collect	VERB
hassl-4380	10	12	data	datum	NOUN
hassl-4380	10	13	from	from	ADP
hassl-4380	10	14	401	401	NUM
hassl-4380	10	15	vietnamese	vietnamese	ADJ
hassl-4380	10	16	students	student	NOUN
hassl-4380	10	17	and	and	CCONJ
hassl-4380	10	18	analyzing	analyze	VERB
hassl-4380	10	19	data	datum	NOUN
hassl-4380	10	20	with	with	ADP
hassl-4380	10	21	spss	spss	PROPN
hassl-4380	10	22	,	,	PUNCT
hassl-4380	10	23	utilizing	utilize	VERB
hassl-4380	10	24	descriptive	descriptive	ADJ
hassl-4380	10	25	statistical	statistical	ADJ
hassl-4380	10	26	methods	method	NOUN
hassl-4380	10	27	and	and	CCONJ
hassl-4380	10	28	quantitative	quantitative	ADJ
hassl-4380	10	29	modeling	modeling	NOUN
hassl-4380	10	30	techniques	technique	NOUN
hassl-4380	10	31	.	.	PUNCT
hassl-4380	11	1	the	the	DET
hassl-4380	11	2	level	level	NOUN
hassl-4380	11	3	of	of	ADP
hassl-4380	11	4	financial	financial	ADJ
hassl-4380	11	5	literacy	literacy	NOUN
hassl-4380	11	6	is	be	AUX
hassl-4380	11	7	divided	divide	VERB
hassl-4380	11	8	into	into	ADP
hassl-4380	11	9	three	three	NUM
hassl-4380	11	10	groups	group	NOUN
hassl-4380	11	11	:	:	PUNCT
hassl-4380	11	12	low	low	ADJ
hassl-4380	11	13	,	,	PUNCT
hassl-4380	11	14	average	average	ADJ
hassl-4380	11	15	,	,	PUNCT
hassl-4380	11	16	and	and	CCONJ
hassl-4380	11	17	high	high	ADJ
hassl-4380	11	18	.	.	PUNCT
hassl-4380	12	1	while	while	SCONJ
hassl-4380	12	2	students	student	NOUN
hassl-4380	12	3	with	with	ADP
hassl-4380	12	4	a	a	DET
hassl-4380	12	5	high	high	ADJ
hassl-4380	12	6	level	level	NOUN
hassl-4380	12	7	of	of	ADP
hassl-4380	12	8	financial	financial	ADJ
hassl-4380	12	9	literacy	literacy	NOUN
hassl-4380	12	10	tend	tend	VERB
hassl-4380	12	11	to	to	PART
hassl-4380	12	12	participate	participate	VERB
hassl-4380	12	13	more	more	ADV
hassl-4380	12	14	in	in	ADP
hassl-4380	12	15	investment	investment	NOUN
hassl-4380	12	16	and	and	CCONJ
hassl-4380	12	17	consumption	consumption	NOUN
hassl-4380	12	18	activities	activity	NOUN
hassl-4380	12	19	,	,	PUNCT
hassl-4380	12	20	students	student	NOUN
hassl-4380	12	21	with	with	ADP
hassl-4380	12	22	a	a	DET
hassl-4380	12	23	lower	low	ADJ
hassl-4380	12	24	level	level	NOUN
hassl-4380	12	25	pursue	pursue	VERB
hassl-4380	12	26	more	more	ADJ
hassl-4380	12	27	saving	saving	ADJ
hassl-4380	12	28	strategies	strategy	NOUN
hassl-4380	12	29	.	.	PUNCT
hassl-4380	13	1	additionally	additionally	ADV
hassl-4380	13	2	,	,	PUNCT
hassl-4380	13	3	the	the	DET
hassl-4380	13	4	results	result	NOUN
hassl-4380	13	5	reveal	reveal	VERB
hassl-4380	13	6	that	that	SCONJ
hassl-4380	13	7	students	student	NOUN
hassl-4380	13	8	'	'	PART
hassl-4380	13	9	financial	financial	ADJ
hassl-4380	13	10	literacy	literacy	NOUN
hassl-4380	13	11	positively	positively	ADV
hassl-4380	13	12	impacts	impact	VERB
hassl-4380	13	13	three	three	NUM
hassl-4380	13	14	dimensions	dimension	NOUN
hassl-4380	13	15	of	of	ADP
hassl-4380	13	16	financial	financial	ADJ
hassl-4380	13	17	behavior	behavior	NOUN
hassl-4380	13	18	,	,	PUNCT
hassl-4380	13	19	namely	namely	ADV
hassl-4380	13	20	investment	investment	NOUN
hassl-4380	13	21	decisions	decision	NOUN
hassl-4380	13	22	,	,	PUNCT
hassl-4380	13	23	saving	save	VERB
hassl-4380	13	24	behavior	behavior	NOUN
hassl-4380	13	25	,	,	PUNCT
hassl-4380	13	26	and	and	CCONJ
hassl-4380	13	27	consumption	consumption	NOUN
hassl-4380	13	28	behavior	behavior	NOUN
hassl-4380	13	29	.	.	PUNCT
hassl-4380	14	1	students	student	NOUN
hassl-4380	14	2	with	with	ADP
hassl-4380	14	3	higher	high	ADJ
hassl-4380	14	4	financial	financial	ADJ
hassl-4380	14	5	literacy	literacy	NOUN
hassl-4380	14	6	are	be	AUX
hassl-4380	14	7	more	more	ADV
hassl-4380	14	8	engaged	engaged	ADJ
hassl-4380	14	9	in	in	ADP
hassl-4380	14	10	investment	investment	NOUN
hassl-4380	14	11	,	,	PUNCT
hassl-4380	14	12	saving	saving	NOUN
hassl-4380	14	13	,	,	PUNCT
hassl-4380	14	14	and	and	CCONJ
hassl-4380	14	15	consumption	consumption	NOUN
hassl-4380	14	16	activities	activity	NOUN
hassl-4380	14	17	.	.	PUNCT
hassl-4380	15	1	these	these	DET
hassl-4380	15	2	findings	finding	NOUN
hassl-4380	15	3	underscore	underscore	VERB
hassl-4380	15	4	the	the	DET
hassl-4380	15	5	essential	essential	ADJ
hassl-4380	15	6	role	role	NOUN
hassl-4380	15	7	of	of	ADP
hassl-4380	15	8	financial	financial	ADJ
hassl-4380	15	9	literacy	literacy	NOUN
hassl-4380	15	10	in	in	ADP
hassl-4380	15	11	building	build	VERB
hassl-4380	15	12	financial	financial	ADJ
hassl-4380	15	13	competencies	competency	NOUN
hassl-4380	15	14	for	for	ADP
hassl-4380	15	15	young	young	ADJ
hassl-4380	15	16	people	people	NOUN
hassl-4380	15	17	.	.	PUNCT
hassl-4380	16	1	the	the	DET
hassl-4380	16	2	results	result	NOUN
hassl-4380	16	3	have	have	VERB
hassl-4380	16	4	practical	practical	ADJ
hassl-4380	16	5	implications	implication	NOUN
hassl-4380	16	6	for	for	SCONJ
hassl-4380	16	7	universities	university	NOUN
hassl-4380	16	8	and	and	CCONJ
hassl-4380	16	9	policymakers	policymaker	NOUN
hassl-4380	16	10	to	to	PART
hassl-4380	16	11	create	create	VERB
hassl-4380	16	12	and	and	CCONJ
hassl-4380	16	13	implement	implement	VERB
hassl-4380	16	14	financial	financial	ADJ
hassl-4380	16	15	education	education	NOUN
hassl-4380	16	16	programs	program	NOUN
hassl-4380	16	17	to	to	PART
hassl-4380	16	18	enhance	enhance	VERB
hassl-4380	16	19	financial	financial	ADJ
hassl-4380	16	20	literacy	literacy	NOUN
hassl-4380	16	21	and	and	CCONJ
hassl-4380	16	22	improve	improve	VERB
hassl-4380	16	23	responsible	responsible	ADJ
hassl-4380	16	24	and	and	CCONJ
hassl-4380	16	25	sustainable	sustainable	ADJ
hassl-4380	16	26	financial	financial	ADJ
hassl-4380	16	27	behavior	behavior	NOUN
hassl-4380	16	28	among	among	ADP
hassl-4380	16	29	young	young	ADJ
hassl-4380	16	30	people	people	NOUN
hassl-4380	16	31	.	.	PUNCT
hassl-4380	17	1	furthermore	furthermore	ADV
hassl-4380	17	2	,	,	PUNCT
hassl-4380	17	3	youth	youth	NOUN
hassl-4380	17	4	should	should	AUX
hassl-4380	17	5	study	study	VERB
hassl-4380	17	6	more	more	ADJ
hassl-4380	17	7	about	about	ADP
hassl-4380	17	8	personal	personal	ADJ
hassl-4380	17	9	finance	finance	NOUN
hassl-4380	17	10	,	,	PUNCT
hassl-4380	17	11	use	use	VERB
hassl-4380	17	12	financial	financial	ADJ
hassl-4380	17	13	management	management	NOUN
hassl-4380	17	14	applications	application	NOUN
hassl-4380	17	15	to	to	PART
hassl-4380	17	16	identify	identify	VERB
hassl-4380	17	17	specific	specific	ADJ
hassl-4380	17	18	goals	goal	NOUN
hassl-4380	17	19	,	,	PUNCT
hassl-4380	17	20	and	and	CCONJ
hassl-4380	17	21	establish	establish	VERB
hassl-4380	17	22	a	a	DET
hassl-4380	17	23	comprehensive	comprehensive	ADJ
hassl-4380	17	24	personal	personal	ADJ
hassl-4380	17	25	financial	financial	ADJ
hassl-4380	17	26	plan	plan	NOUN
hassl-4380	17	27	,	,	PUNCT
hassl-4380	17	28	ensuring	ensure	VERB
hassl-4380	17	29	reasonable	reasonable	ADJ
hassl-4380	17	30	investment	investment	NOUN
hassl-4380	17	31	and	and	CCONJ
hassl-4380	17	32	saving	save	VERB
hassl-4380	17	33	decisions	decision	NOUN
hassl-4380	17	34	and	and	CCONJ
hassl-4380	17	35	avoiding	avoid	VERB
hassl-4380	17	36	wasteful	wasteful	ADJ
hassl-4380	17	37	consumption	consumption	NOUN
hassl-4380	17	38	behavior	behavior	NOUN
hassl-4380	17	39	.	.	PUNCT
hassl-4380	18	1	contribution	contribution	NOUN
hassl-4380	18	2	/	/	SYM
hassl-4380	18	3	originality	originality	NOUN
hassl-4380	18	4	:	:	PUNCT
hassl-4380	18	5	this	this	DET
hassl-4380	18	6	study	study	NOUN
hassl-4380	18	7	uniquely	uniquely	ADV
hassl-4380	18	8	highlights	highlight	VERB
hassl-4380	18	9	the	the	DET
hassl-4380	18	10	pivotal	pivotal	ADJ
hassl-4380	18	11	role	role	NOUN
hassl-4380	18	12	of	of	ADP
hassl-4380	18	13	financial	financial	ADJ
hassl-4380	18	14	literacy	literacy	NOUN
hassl-4380	18	15	by	by	ADP
hassl-4380	18	16	empirically	empirically	ADV
hassl-4380	18	17	demonstrating	demonstrate	VERB
hassl-4380	18	18	that	that	SCONJ
hassl-4380	18	19	higher	high	ADJ
hassl-4380	18	20	literacy	literacy	NOUN
hassl-4380	18	21	significantly	significantly	ADV
hassl-4380	18	22	increases	increase	VERB
hassl-4380	18	23	vietnamese	vietnamese	ADJ
hassl-4380	18	24	university	university	NOUN
hassl-4380	18	25	students	student	NOUN
hassl-4380	18	26	'	'	PART
hassl-4380	18	27	engagement	engagement	NOUN
hassl-4380	18	28	in	in	ADP
hassl-4380	18	29	investment	investment	NOUN
hassl-4380	18	30	,	,	PUNCT
hassl-4380	18	31	saving	saving	NOUN
hassl-4380	18	32	,	,	PUNCT
hassl-4380	18	33	and	and	CCONJ
hassl-4380	18	34	consumption	consumption	NOUN
hassl-4380	18	35	activities	activity	NOUN
hassl-4380	18	36	,	,	PUNCT
hassl-4380	18	37	providing	provide	VERB
hassl-4380	18	38	novel	novel	NOUN
hassl-4380	18	39	,	,	PUNCT
hassl-4380	18	40	context	context	NOUN
hassl-4380	18	41	-	-	PUNCT
hassl-4380	18	42	specific	specific	ADJ
hassl-4380	18	43	insights	insight	NOUN
hassl-4380	18	44	critical	critical	ADJ
hassl-4380	18	45	for	for	ADP
hassl-4380	18	46	enhancing	enhance	VERB
hassl-4380	18	47	youth	youth	NOUN
hassl-4380	18	48	-	-	PUNCT
hassl-4380	18	49	focused	focus	VERB
hassl-4380	18	50	financial	financial	ADJ
hassl-4380	18	51	education	education	NOUN
hassl-4380	18	52	in	in	ADP
hassl-4380	18	53	vietnam	vietnam	PROPN
hassl-4380	18	54	.	.	PUNCT
hassl-4380	19	1	1	1	X
hassl-4380	19	2	.	.	X
hassl-4380	19	3	introduction	introduction	NOUN
hassl-4380	19	4	in	in	ADP
hassl-4380	19	5	the	the	DET
hassl-4380	19	6	contemporary	contemporary	ADJ
hassl-4380	19	7	economy	economy	NOUN
hassl-4380	19	8	,	,	PUNCT
hassl-4380	19	9	financial	financial	ADJ
hassl-4380	19	10	literacy	literacy	NOUN
hassl-4380	19	11	(	(	PUNCT
hassl-4380	19	12	fl	fl	NOUN
hassl-4380	19	13	)	)	PUNCT
hassl-4380	19	14	has	have	AUX
hassl-4380	19	15	become	become	VERB
hassl-4380	19	16	an	an	DET
hassl-4380	19	17	essential	essential	ADJ
hassl-4380	19	18	life	life	NOUN
hassl-4380	19	19	skill	skill	NOUN
hassl-4380	19	20	for	for	ADP
hassl-4380	19	21	many	many	ADJ
hassl-4380	19	22	people	people	NOUN
hassl-4380	19	23	(	(	PUNCT
hassl-4380	19	24	beranová	beranová	PROPN
hassl-4380	19	25	,	,	PUNCT
hassl-4380	19	26	šíma	šíma	PROPN
hassl-4380	19	27	,	,	PUNCT
hassl-4380	19	28	&	&	CCONJ
hassl-4380	19	29	navrátilová	navrátilová	PROPN
hassl-4380	19	30	,	,	PUNCT
hassl-4380	19	31	2020	2020	NUM
hassl-4380	19	32	)	)	PUNCT
hassl-4380	19	33	.	.	PUNCT
hassl-4380	20	1	fl	fl	PROPN
hassl-4380	20	2	is	be	AUX
hassl-4380	20	3	a	a	DET
hassl-4380	20	4	collection	collection	NOUN
hassl-4380	20	5	of	of	ADP
hassl-4380	20	6	skills	skill	NOUN
hassl-4380	20	7	and	and	CCONJ
hassl-4380	20	8	knowledge	knowledge	NOUN
hassl-4380	20	9	that	that	PRON
hassl-4380	20	10	enables	enable	VERB
hassl-4380	20	11	a	a	DET
hassl-4380	20	12	person	person	NOUN
hassl-4380	20	13	to	to	PART
hassl-4380	20	14	make	make	VERB
hassl-4380	20	15	accurate	accurate	ADJ
hassl-4380	20	16	decisions	decision	NOUN
hassl-4380	20	17	regarding	regard	VERB
hassl-4380	20	18	all	all	DET
hassl-4380	20	19	their	their	PRON
hassl-4380	20	20	financial	financial	ADJ
hassl-4380	20	21	resources	resource	NOUN
hassl-4380	20	22	(	(	PUNCT
hassl-4380	20	23	nugraha	nugraha	NOUN
hassl-4380	20	24	,	,	PUNCT
hassl-4380	20	25	tulung	tulung	PROPN
hassl-4380	20	26	,	,	PUNCT
hassl-4380	20	27	&	&	CCONJ
hassl-4380	20	28	arie	arie	PROPN
hassl-4380	20	29	,	,	PUNCT
hassl-4380	20	30	2021	2021	NUM
hassl-4380	20	31	)	)	PUNCT
hassl-4380	20	32	.	.	PUNCT
hassl-4380	21	1	the	the	DET
hassl-4380	21	2	level	level	NOUN
hassl-4380	21	3	of	of	ADP
hassl-4380	21	4	fl	fl	PROPN
hassl-4380	21	5	affects	affect	VERB
hassl-4380	21	6	individuals	individual	NOUN
hassl-4380	21	7	'	'	PART
hassl-4380	21	8	competence	competence	NOUN
hassl-4380	21	9	to	to	PART
hassl-4380	21	10	make	make	VERB
hassl-4380	21	11	financial	financial	ADJ
hassl-4380	21	12	decisions	decision	NOUN
hassl-4380	21	13	(	(	PUNCT
hassl-4380	21	14	cossa	cossa	NOUN
hassl-4380	21	15	,	,	PUNCT
hassl-4380	21	16	madaleno	madaleno	PROPN
hassl-4380	21	17	,	,	PUNCT
hassl-4380	21	18	&	&	CCONJ
hassl-4380	21	19	mota	mota	NOUN
hassl-4380	21	20	,	,	PUNCT
hassl-4380	21	21	2018	2018	NUM
hassl-4380	21	22	)	)	PUNCT
hassl-4380	21	23	.	.	PUNCT
hassl-4380	22	1	today	today	NOUN
hassl-4380	22	2	's	's	PART
hassl-4380	22	3	younger	young	ADJ
hassl-4380	22	4	generation	generation	NOUN
hassl-4380	22	5	faces	face	VERB
hassl-4380	22	6	greater	great	ADJ
hassl-4380	22	7	financial	financial	ADJ
hassl-4380	22	8	decision	decision	NOUN
hassl-4380	22	9	-	-	PUNCT
hassl-4380	22	10	making	make	VERB
hassl-4380	22	11	challenges	challenge	NOUN
hassl-4380	22	12	than	than	ADP
hassl-4380	22	13	previous	previous	ADJ
hassl-4380	22	14	generations	generation	NOUN
hassl-4380	22	15	(	(	PUNCT
hassl-4380	22	16	tavares	tavare	NOUN
hassl-4380	22	17	,	,	PUNCT
hassl-4380	22	18	almeida	almeida	PROPN
hassl-4380	22	19	,	,	PUNCT
hassl-4380	22	20	&	&	CCONJ
hassl-4380	22	21	cunha	cunha	NOUN
hassl-4380	22	22	,	,	PUNCT
hassl-4380	22	23	2019	2019	NUM
hassl-4380	22	24	)	)	PUNCT
hassl-4380	22	25	.	.	PUNCT
hassl-4380	23	1	thanks	thank	NOUN
hassl-4380	23	2	to	to	ADP
hassl-4380	23	3	digital	digital	ADJ
hassl-4380	23	4	developments	development	NOUN
hassl-4380	23	5	and	and	CCONJ
hassl-4380	23	6	globalization	globalization	NOUN
hassl-4380	23	7	,	,	PUNCT
hassl-4380	23	8	financial	financial	ADJ
hassl-4380	23	9	services	service	NOUN
hassl-4380	23	10	and	and	CCONJ
hassl-4380	23	11	products	product	NOUN
hassl-4380	23	12	have	have	AUX
hassl-4380	23	13	become	become	VERB
hassl-4380	23	14	more	more	ADV
hassl-4380	23	15	accessible	accessible	ADJ
hassl-4380	23	16	but	but	CCONJ
hassl-4380	23	17	also	also	ADV
hassl-4380	23	18	have	have	VERB
hassl-4380	23	19	a	a	DET
hassl-4380	23	20	complex	complex	ADJ
hassl-4380	23	21	impact	impact	NOUN
hassl-4380	23	22	(	(	PUNCT
hassl-4380	23	23	beranová	beranová	PROPN
hassl-4380	23	24	et	et	PROPN
hassl-4380	23	25	al	al	PROPN
hassl-4380	23	26	.	.	PROPN
hassl-4380	23	27	,	,	PUNCT
hassl-4380	23	28	2020	2020	NUM
hassl-4380	23	29	)	)	PUNCT
hassl-4380	23	30	.	.	PUNCT
hassl-4380	24	1	individuals	individual	NOUN
hassl-4380	24	2	must	must	AUX
hassl-4380	24	3	make	make	VERB
hassl-4380	24	4	more	more	ADV
hassl-4380	24	5	responsible	responsible	ADJ
hassl-4380	24	6	financial	financial	ADJ
hassl-4380	24	7	decisions	decision	NOUN
hassl-4380	24	8	,	,	PUNCT
hassl-4380	24	9	such	such	ADJ
hassl-4380	24	10	as	as	ADP
hassl-4380	24	11	investing	invest	VERB
hassl-4380	24	12	in	in	ADP
hassl-4380	24	13	personal	personal	ADJ
hassl-4380	24	14	development	development	NOUN
hassl-4380	24	15	,	,	PUNCT
hassl-4380	24	16	saving	save	VERB
hassl-4380	24	17	for	for	ADP
hassl-4380	24	18	children	child	NOUN
hassl-4380	24	19	's	's	PART
hassl-4380	24	20	education	education	NOUN
hassl-4380	24	21	,	,	PUNCT
hassl-4380	24	22	planning	plan	VERB
hassl-4380	24	23	for	for	ADP
hassl-4380	24	24	retirement	retirement	NOUN
hassl-4380	24	25	,	,	PUNCT
hassl-4380	24	26	and	and	CCONJ
hassl-4380	24	27	so	so	ADV
hassl-4380	24	28	on	on	ADV
hassl-4380	24	29	(	(	PUNCT
hassl-4380	24	30	tavares	tavare	NOUN
hassl-4380	24	31	et	et	PROPN
hassl-4380	24	32	al	al	PROPN
hassl-4380	24	33	.	.	PROPN
hassl-4380	24	34	,	,	PUNCT
hassl-4380	24	35	2019	2019	NUM
hassl-4380	24	36	)	)	PUNCT
hassl-4380	24	37	.	.	PUNCT
hassl-4380	25	1	to	to	ADP
hassl-4380	25	2	humanities	humanity	NOUN
hassl-4380	25	3	and	and	CCONJ
hassl-4380	25	4	social	social	ADJ
hassl-4380	25	5	sciences	science	NOUN
hassl-4380	25	6	letters	letter	NOUN
hassl-4380	25	7	2025	2025	NUM
hassl-4380	25	8	vol	vol	NOUN
hassl-4380	25	9	.	.	PROPN
hassl-4380	26	1	13	13	NUM
hassl-4380	26	2	,	,	PUNCT
hassl-4380	26	3	no	no	INTJ
hassl-4380	26	4	.	.	NOUN
hassl-4380	26	5	3	3	NUM
hassl-4380	26	6	,	,	PUNCT
hassl-4380	26	7	pp	pp	ADJ
hassl-4380	26	8	.	.	PUNCT
hassl-4380	27	1	1037	1037	NUM
hassl-4380	27	2	-	-	SYM
hassl-4380	27	3	1052	1052	NUM
hassl-4380	27	4	issn(e	issn(e	PROPN
hassl-4380	27	5	):	):	PUNCT
hassl-4380	27	6	2312	2312	NUM
hassl-4380	27	7	-	-	SYM
hassl-4380	27	8	4318	4318	NUM
hassl-4380	27	9	issn(p	issn(p	NUM
hassl-4380	27	10	):	):	PUNCT
hassl-4380	27	11	2312	2312	NUM
hassl-4380	27	12	-	-	SYM
hassl-4380	27	13	5659	5659	NUM
hassl-4380	27	14	doi	doi	NOUN
hassl-4380	27	15	:	:	PUNCT
hassl-4380	27	16	10.18488/73.v13i3.4380	10.18488/73.v13i3.4380	ADV
hassl-4380	27	17	©	©	PROPN
hassl-4380	27	18	2025	2025	NUM
hassl-4380	27	19	conscientia	conscientia	PROPN
hassl-4380	27	20	beam	beam	PROPN
hassl-4380	27	21	.	.	PUNCT
hassl-4380	28	1	all	all	DET
hassl-4380	28	2	rights	right	NOUN
hassl-4380	28	3	reserved	reserve	VERB
hassl-4380	28	4	.	.	PUNCT
hassl-4380	29	1	mailto:huongtran@hvnh.edu.vn	mailto:huongtran@hvnh.edu.vn	ADJ
hassl-4380	29	2	mailto:nguyenkhanhquynh824@gmail.com	mailto:nguyenkhanhquynh824@gmail.com	PROPN
hassl-4380	29	3	mailto:nguyenkhanhvi2412@gmail.com	mailto:nguyenkhanhvi2412@gmail.com	PROPN
hassl-4380	29	4	mailto:phuongmaidao1411@gmail.com	mailto:phuongmaidao1411@gmail.com	X
hassl-4380	29	5	mailto:ducht221@gmail.com	mailto:ducht221@gmail.com	PROPN
hassl-4380	29	6	https://orcid.org/0009-0007-8316-6864	https://orcid.org/0009-0007-8316-6864	PROPN
hassl-4380	29	7	https://orcid.org/0009-0003-7349-980x	https://orcid.org/0009-0003-7349-980x	PROPN
hassl-4380	29	8	https://orcid.org/0009-0003-0570-0006	https://orcid.org/0009-0003-0570-0006	PROPN
hassl-4380	29	9	https://orcid.org/0009-0008-9337-2669	https://orcid.org/0009-0008-9337-2669	PROPN
hassl-4380	29	10	https://orcid.org/0009-0008-4892-6802	https://orcid.org/0009-0008-4892-6802	NOUN
hassl-4380	29	11	https://www.doi.org/10.18488/73.v13i3.4380	https://www.doi.org/10.18488/73.v13i3.4380	PROPN
hassl-4380	29	12	humanities	humanity	NOUN
hassl-4380	29	13	and	and	CCONJ
hassl-4380	29	14	social	social	ADJ
hassl-4380	29	15	sciences	science	NOUN
hassl-4380	29	16	letters	letter	NOUN
hassl-4380	29	17	,	,	PUNCT
hassl-4380	29	18	2025	2025	NUM
hassl-4380	29	19	,	,	PUNCT
hassl-4380	29	20	13(3	13(3	NUM
hassl-4380	29	21	):	):	PUNCT
hassl-4380	29	22	1037	1037	NUM
hassl-4380	29	23	-	-	SYM
hassl-4380	29	24	1052	1052	NUM
hassl-4380	29	25	1038	1038	NUM
hassl-4380	29	26	©	©	PROPN
hassl-4380	29	27	2025	2025	NUM
hassl-4380	29	28	conscientia	conscientia	PROPN
hassl-4380	29	29	beam	beam	PROPN
hassl-4380	29	30	.	.	PUNCT
hassl-4380	30	1	all	all	DET
hassl-4380	30	2	rights	right	NOUN
hassl-4380	30	3	reserved	reserve	VERB
hassl-4380	30	4	.	.	PUNCT
hassl-4380	31	1	benefit	benefit	VERB
hassl-4380	31	2	both	both	DET
hassl-4380	31	3	consumers	consumer	NOUN
hassl-4380	31	4	and	and	CCONJ
hassl-4380	31	5	the	the	DET
hassl-4380	31	6	international	international	ADJ
hassl-4380	31	7	economy	economy	NOUN
hassl-4380	31	8	and	and	CCONJ
hassl-4380	31	9	the	the	DET
hassl-4380	31	10	globalized	globalized	ADJ
hassl-4380	31	11	economy	economy	NOUN
hassl-4380	31	12	,	,	PUNCT
hassl-4380	31	13	improving	improve	VERB
hassl-4380	31	14	fl	fl	NOUN
hassl-4380	31	15	is	be	AUX
hassl-4380	31	16	necessary	necessary	ADJ
hassl-4380	31	17	,	,	PUNCT
hassl-4380	31	18	especially	especially	ADV
hassl-4380	31	19	among	among	ADP
hassl-4380	31	20	younger	young	ADJ
hassl-4380	31	21	people	people	NOUN
hassl-4380	31	22	(	(	PUNCT
hassl-4380	31	23	sylviana	sylviana	PROPN
hassl-4380	31	24	,	,	PUNCT
hassl-4380	31	25	murtaqi	murtaqi	ADJ
hassl-4380	31	26	,	,	PUNCT
hassl-4380	31	27	&	&	CCONJ
hassl-4380	31	28	pradana	pradana	PROPN
hassl-4380	31	29	,	,	PUNCT
hassl-4380	31	30	2018	2018	NUM
hassl-4380	31	31	)	)	PUNCT
hassl-4380	31	32	.	.	PUNCT
hassl-4380	32	1	improved	improve	VERB
hassl-4380	32	2	financial	financial	ADJ
hassl-4380	32	3	literacy	literacy	NOUN
hassl-4380	32	4	can	can	AUX
hassl-4380	32	5	contribute	contribute	VERB
hassl-4380	32	6	to	to	ADP
hassl-4380	32	7	greater	great	ADJ
hassl-4380	32	8	financial	financial	ADJ
hassl-4380	32	9	stability	stability	NOUN
hassl-4380	32	10	and	and	CCONJ
hassl-4380	32	11	self	self	NOUN
hassl-4380	32	12	-	-	PUNCT
hassl-4380	32	13	sufficiency	sufficiency	NOUN
hassl-4380	32	14	,	,	PUNCT
hassl-4380	32	15	thereby	thereby	ADV
hassl-4380	32	16	reducing	reduce	VERB
hassl-4380	32	17	poverty	poverty	NOUN
hassl-4380	32	18	and	and	CCONJ
hassl-4380	32	19	enhancing	enhance	VERB
hassl-4380	32	20	effective	effective	ADJ
hassl-4380	32	21	financial	financial	ADJ
hassl-4380	32	22	decisions	decision	NOUN
hassl-4380	32	23	(	(	PUNCT
hassl-4380	32	24	sylviana	sylviana	PROPN
hassl-4380	32	25	et	et	PROPN
hassl-4380	32	26	al	al	PROPN
hassl-4380	32	27	.	.	PROPN
hassl-4380	32	28	,	,	PUNCT
hassl-4380	32	29	2018	2018	NUM
hassl-4380	32	30	)	)	PUNCT
hassl-4380	32	31	.	.	PUNCT
hassl-4380	33	1	fl	fl	PROPN
hassl-4380	33	2	significantly	significantly	ADV
hassl-4380	33	3	has	have	VERB
hassl-4380	33	4	a	a	DET
hassl-4380	33	5	significant	significant	ADJ
hassl-4380	33	6	impact	impact	NOUN
hassl-4380	33	7	on	on	ADP
hassl-4380	33	8	financial	financial	ADJ
hassl-4380	33	9	behaviors	behavior	NOUN
hassl-4380	33	10	(	(	PUNCT
hassl-4380	33	11	fb	fb	INTJ
hassl-4380	33	12	)	)	PUNCT
hassl-4380	33	13	(	(	PUNCT
hassl-4380	33	14	danila	danila	PROPN
hassl-4380	33	15	,	,	PUNCT
hassl-4380	33	16	shahwan	shahwan	PROPN
hassl-4380	33	17	,	,	PUNCT
hassl-4380	33	18	ali	ali	PROPN
hassl-4380	33	19	,	,	PUNCT
hassl-4380	33	20	&	&	CCONJ
hassl-4380	33	21	djalaluddin	djalaluddin	PROPN
hassl-4380	33	22	,	,	PUNCT
hassl-4380	33	23	2019	2019	NUM
hassl-4380	33	24	)	)	PUNCT
hassl-4380	33	25	.	.	PUNCT
hassl-4380	34	1	completing	complete	VERB
hassl-4380	34	2	a	a	DET
hassl-4380	34	3	college	college	NOUN
hassl-4380	34	4	education	education	NOUN
hassl-4380	34	5	has	have	AUX
hassl-4380	34	6	been	be	AUX
hassl-4380	34	7	shown	show	VERB
hassl-4380	34	8	to	to	PART
hassl-4380	34	9	have	have	VERB
hassl-4380	34	10	a	a	DET
hassl-4380	34	11	strong	strong	ADJ
hassl-4380	34	12	influence	influence	NOUN
hassl-4380	34	13	on	on	ADP
hassl-4380	34	14	financial	financial	ADJ
hassl-4380	34	15	behavior	behavior	NOUN
hassl-4380	34	16	,	,	PUNCT
hassl-4380	34	17	such	such	ADJ
hassl-4380	34	18	as	as	ADP
hassl-4380	34	19	paying	pay	VERB
hassl-4380	34	20	credit	credit	NOUN
hassl-4380	34	21	card	card	NOUN
hassl-4380	34	22	bills	bill	NOUN
hassl-4380	34	23	in	in	ADP
hassl-4380	34	24	full	full	ADJ
hassl-4380	34	25	,	,	PUNCT
hassl-4380	34	26	having	have	VERB
hassl-4380	34	27	money	money	NOUN
hassl-4380	34	28	to	to	PART
hassl-4380	34	29	save	save	VERB
hassl-4380	34	30	,	,	PUNCT
hassl-4380	34	31	and	and	CCONJ
hassl-4380	34	32	making	make	VERB
hassl-4380	34	33	investments	investment	NOUN
hassl-4380	34	34	(	(	PUNCT
hassl-4380	34	35	danila	danila	PROPN
hassl-4380	34	36	et	et	PROPN
hassl-4380	34	37	al	al	PROPN
hassl-4380	34	38	.	.	PROPN
hassl-4380	34	39	,	,	PUNCT
hassl-4380	34	40	2019	2019	NUM
hassl-4380	34	41	)	)	PUNCT
hassl-4380	34	42	.	.	PUNCT
hassl-4380	35	1	additionally	additionally	ADV
hassl-4380	35	2	,	,	PUNCT
hassl-4380	35	3	the	the	DET
hassl-4380	35	4	fl	fl	NOUN
hassl-4380	35	5	level	level	NOUN
hassl-4380	35	6	and	and	CCONJ
hassl-4380	35	7	the	the	DET
hassl-4380	35	8	perceived	perceive	VERB
hassl-4380	35	9	financial	financial	ADJ
hassl-4380	35	10	competence	competence	NOUN
hassl-4380	35	11	of	of	ADP
hassl-4380	35	12	young	young	ADJ
hassl-4380	35	13	people	people	NOUN
hassl-4380	35	14	are	be	AUX
hassl-4380	35	15	said	say	VERB
hassl-4380	35	16	to	to	PART
hassl-4380	35	17	be	be	AUX
hassl-4380	35	18	lower	low	ADJ
hassl-4380	35	19	than	than	ADP
hassl-4380	35	20	those	those	PRON
hassl-4380	35	21	of	of	ADP
hassl-4380	35	22	older	old	ADJ
hassl-4380	35	23	people	people	NOUN
hassl-4380	35	24	(	(	PUNCT
hassl-4380	35	25	danila	danila	PROPN
hassl-4380	35	26	et	et	PROPN
hassl-4380	35	27	al	al	PROPN
hassl-4380	35	28	.	.	PROPN
hassl-4380	35	29	,	,	PUNCT
hassl-4380	35	30	2019	2019	NUM
hassl-4380	35	31	)	)	PUNCT
hassl-4380	35	32	.	.	PUNCT
hassl-4380	36	1	this	this	DET
hassl-4380	36	2	article	article	NOUN
hassl-4380	36	3	demonstrates	demonstrate	VERB
hassl-4380	36	4	that	that	SCONJ
hassl-4380	36	5	individuals	individual	NOUN
hassl-4380	36	6	with	with	ADP
hassl-4380	36	7	deeper	deep	ADJ
hassl-4380	36	8	fl	fl	NOUN
hassl-4380	36	9	and	and	CCONJ
hassl-4380	36	10	experience	experience	NOUN
hassl-4380	36	11	can	can	AUX
hassl-4380	36	12	lead	lead	VERB
hassl-4380	36	13	to	to	ADP
hassl-4380	36	14	positive	positive	ADJ
hassl-4380	36	15	changes	change	NOUN
hassl-4380	36	16	in	in	ADP
hassl-4380	36	17	their	their	PRON
hassl-4380	36	18	financial	financial	ADJ
hassl-4380	36	19	performance	performance	NOUN
hassl-4380	36	20	(	(	PUNCT
hassl-4380	36	21	danila	danila	PROPN
hassl-4380	36	22	et	et	PROPN
hassl-4380	36	23	al	al	PROPN
hassl-4380	36	24	.	.	PROPN
hassl-4380	36	25	,	,	PUNCT
hassl-4380	36	26	2019	2019	NUM
hassl-4380	36	27	)	)	PUNCT
hassl-4380	36	28	.	.	PUNCT
hassl-4380	37	1	recently	recently	ADV
hassl-4380	37	2	,	,	PUNCT
hassl-4380	37	3	vietnam	vietnam	PROPN
hassl-4380	37	4	’s	’s	PART
hassl-4380	37	5	government	government	NOUN
hassl-4380	37	6	has	have	AUX
hassl-4380	37	7	proactively	proactively	ADV
hassl-4380	37	8	introduced	introduce	VERB
hassl-4380	37	9	a	a	DET
hassl-4380	37	10	range	range	NOUN
hassl-4380	37	11	of	of	ADP
hassl-4380	37	12	policies	policy	NOUN
hassl-4380	37	13	related	relate	VERB
hassl-4380	37	14	to	to	ADP
hassl-4380	37	15	the	the	DET
hassl-4380	37	16	national	national	ADJ
hassl-4380	37	17	comprehensive	comprehensive	ADJ
hassl-4380	37	18	financial	financial	ADJ
hassl-4380	37	19	strategy	strategy	NOUN
hassl-4380	37	20	,	,	PUNCT
hassl-4380	37	21	along	along	ADP
hassl-4380	37	22	with	with	ADP
hassl-4380	37	23	efforts	effort	NOUN
hassl-4380	37	24	to	to	PART
hassl-4380	37	25	eradicate	eradicate	VERB
hassl-4380	37	26	hunger	hunger	NOUN
hassl-4380	37	27	and	and	CCONJ
hassl-4380	37	28	alleviate	alleviate	VERB
hassl-4380	37	29	poverty	poverty	NOUN
hassl-4380	37	30	(	(	PUNCT
hassl-4380	37	31	le	le	X
hassl-4380	37	32	,	,	PUNCT
hassl-4380	37	33	2021	2021	NUM
hassl-4380	37	34	)	)	PUNCT
hassl-4380	37	35	.	.	PUNCT
hassl-4380	38	1	in	in	ADP
hassl-4380	38	2	the	the	DET
hassl-4380	38	3	context	context	NOUN
hassl-4380	38	4	of	of	ADP
hassl-4380	38	5	vietnam	vietnam	PROPN
hassl-4380	38	6	implementing	implement	VERB
hassl-4380	38	7	a	a	DET
hassl-4380	38	8	comprehensive	comprehensive	ADJ
hassl-4380	38	9	financial	financial	ADJ
hassl-4380	38	10	strategy	strategy	NOUN
hassl-4380	38	11	,	,	PUNCT
hassl-4380	38	12	financial	financial	ADJ
hassl-4380	38	13	literacy	literacy	NOUN
hassl-4380	38	14	is	be	AUX
hassl-4380	38	15	an	an	DET
hassl-4380	38	16	urgent	urgent	ADJ
hassl-4380	38	17	issue	issue	NOUN
hassl-4380	38	18	to	to	PART
hassl-4380	38	19	ensure	ensure	VERB
hassl-4380	38	20	that	that	SCONJ
hassl-4380	38	21	people	people	NOUN
hassl-4380	38	22	in	in	ADP
hassl-4380	38	23	vietnam	vietnam	PROPN
hassl-4380	38	24	have	have	VERB
hassl-4380	38	25	sufficient	sufficient	ADJ
hassl-4380	38	26	ability	ability	NOUN
hassl-4380	38	27	to	to	PART
hassl-4380	38	28	manage	manage	VERB
hassl-4380	38	29	their	their	PRON
hassl-4380	38	30	money	money	NOUN
hassl-4380	38	31	and	and	CCONJ
hassl-4380	38	32	select	select	VERB
hassl-4380	38	33	appropriate	appropriate	ADJ
hassl-4380	38	34	financial	financial	ADJ
hassl-4380	38	35	services	service	NOUN
hassl-4380	38	36	to	to	PART
hassl-4380	38	37	increase	increase	VERB
hassl-4380	38	38	their	their	PRON
hassl-4380	38	39	income	income	NOUN
hassl-4380	38	40	(	(	PUNCT
hassl-4380	38	41	nguyen	nguyen	NOUN
hassl-4380	38	42	,	,	PUNCT
hassl-4380	38	43	van	van	PROPN
hassl-4380	38	44	hoang	hoang	PROPN
hassl-4380	38	45	,	,	PUNCT
hassl-4380	38	46	pho	pho	PROPN
hassl-4380	38	47	,	,	PUNCT
hassl-4380	38	48	&	&	CCONJ
hassl-4380	38	49	nhan	nhan	NOUN
hassl-4380	38	50	,	,	PUNCT
hassl-4380	38	51	2023	2023	NUM
hassl-4380	38	52	)	)	PUNCT
hassl-4380	38	53	.	.	PUNCT
hassl-4380	39	1	the	the	DET
hassl-4380	39	2	coverage	coverage	NOUN
hassl-4380	39	3	of	of	ADP
hassl-4380	39	4	the	the	DET
hassl-4380	39	5	comprehensive	comprehensive	ADJ
hassl-4380	39	6	financial	financial	ADJ
hassl-4380	39	7	system	system	NOUN
hassl-4380	39	8	is	be	AUX
hassl-4380	39	9	extensive	extensive	ADJ
hassl-4380	39	10	,	,	PUNCT
hassl-4380	39	11	but	but	CCONJ
hassl-4380	39	12	the	the	DET
hassl-4380	39	13	proportion	proportion	NOUN
hassl-4380	39	14	of	of	ADP
hassl-4380	39	15	individual	individual	ADJ
hassl-4380	39	16	customers	customer	NOUN
hassl-4380	39	17	accessing	access	VERB
hassl-4380	39	18	financial	financial	ADJ
hassl-4380	39	19	products	product	NOUN
hassl-4380	39	20	and	and	CCONJ
hassl-4380	39	21	services	service	NOUN
hassl-4380	39	22	is	be	AUX
hassl-4380	39	23	relatively	relatively	ADV
hassl-4380	39	24	low	low	ADJ
hassl-4380	39	25	,	,	PUNCT
hassl-4380	39	26	including	include	VERB
hassl-4380	39	27	university	university	NOUN
hassl-4380	39	28	students	student	NOUN
hassl-4380	39	29	(	(	PUNCT
hassl-4380	39	30	nguyen	nguyen	NOUN
hassl-4380	39	31	et	et	PROPN
hassl-4380	39	32	al	al	PROPN
hassl-4380	39	33	.	.	PROPN
hassl-4380	39	34	,	,	PUNCT
hassl-4380	39	35	2023	2023	NUM
hassl-4380	39	36	)	)	PUNCT
hassl-4380	39	37	.	.	PUNCT
hassl-4380	40	1	a	a	DET
hassl-4380	40	2	2021	2021	NUM
hassl-4380	40	3	study	study	NOUN
hassl-4380	40	4	of	of	ADP
hassl-4380	40	5	vietnamese	vietnamese	ADJ
hassl-4380	40	6	students	student	NOUN
hassl-4380	40	7	showed	show	VERB
hassl-4380	40	8	that	that	SCONJ
hassl-4380	40	9	students	student	NOUN
hassl-4380	40	10	have	have	VERB
hassl-4380	40	11	weak	weak	ADJ
hassl-4380	40	12	financial	financial	ADJ
hassl-4380	40	13	literacy	literacy	NOUN
hassl-4380	40	14	,	,	PUNCT
hassl-4380	40	15	including	include	VERB
hassl-4380	40	16	those	those	DET
hassl-4380	40	17	majoring	major	VERB
hassl-4380	40	18	in	in	ADP
hassl-4380	40	19	finance	finance	NOUN
hassl-4380	40	20	,	,	PUNCT
hassl-4380	40	21	banking	banking	NOUN
hassl-4380	40	22	,	,	PUNCT
hassl-4380	40	23	or	or	CCONJ
hassl-4380	40	24	economics	economic	NOUN
hassl-4380	40	25	(	(	PUNCT
hassl-4380	40	26	nguyen	nguyen	NOUN
hassl-4380	40	27	et	et	PROPN
hassl-4380	40	28	al	al	PROPN
hassl-4380	40	29	.	.	PROPN
hassl-4380	40	30	,	,	PUNCT
hassl-4380	40	31	2023	2023	NUM
hassl-4380	40	32	)	)	PUNCT
hassl-4380	40	33	.	.	PUNCT
hassl-4380	41	1	therefore	therefore	ADV
hassl-4380	41	2	,	,	PUNCT
hassl-4380	41	3	many	many	ADJ
hassl-4380	41	4	students	student	NOUN
hassl-4380	41	5	face	face	VERB
hassl-4380	41	6	risks	risk	NOUN
hassl-4380	41	7	when	when	SCONJ
hassl-4380	41	8	making	make	VERB
hassl-4380	41	9	financial	financial	ADJ
hassl-4380	41	10	decisions	decision	NOUN
hassl-4380	41	11	(	(	PUNCT
hassl-4380	41	12	le	le	X
hassl-4380	41	13	,	,	PUNCT
hassl-4380	41	14	2021	2021	NUM
hassl-4380	41	15	)	)	PUNCT
hassl-4380	41	16	.	.	PUNCT
hassl-4380	42	1	as	as	ADP
hassl-4380	42	2	a	a	DET
hassl-4380	42	3	result	result	NOUN
hassl-4380	42	4	,	,	PUNCT
hassl-4380	42	5	the	the	DET
hassl-4380	42	6	proposed	propose	VERB
hassl-4380	42	7	research	research	NOUN
hassl-4380	42	8	topic	topic	NOUN
hassl-4380	42	9	is	be	AUX
hassl-4380	42	10	“	"	PUNCT
hassl-4380	42	11	the	the	DET
hassl-4380	42	12	impact	impact	NOUN
hassl-4380	42	13	of	of	ADP
hassl-4380	42	14	financial	financial	ADJ
hassl-4380	42	15	literacy	literacy	NOUN
hassl-4380	42	16	on	on	ADP
hassl-4380	42	17	financial	financial	ADJ
hassl-4380	42	18	behaviors	behavior	NOUN
hassl-4380	42	19	:	:	PUNCT
hassl-4380	42	20	evidence	evidence	NOUN
hassl-4380	42	21	from	from	ADP
hassl-4380	42	22	university	university	NOUN
hassl-4380	42	23	students	student	NOUN
hassl-4380	42	24	in	in	ADP
hassl-4380	42	25	hanoi	hanoi	PROPN
hassl-4380	42	26	”	"	PUNCT
hassl-4380	42	27	.	.	PUNCT
hassl-4380	43	1	the	the	DET
hassl-4380	43	2	structure	structure	NOUN
hassl-4380	43	3	of	of	ADP
hassl-4380	43	4	this	this	DET
hassl-4380	43	5	paper	paper	NOUN
hassl-4380	43	6	is	be	AUX
hassl-4380	43	7	outlined	outline	VERB
hassl-4380	43	8	as	as	SCONJ
hassl-4380	43	9	follows	follow	VERB
hassl-4380	43	10	:	:	PUNCT
hassl-4380	43	11	section	section	NOUN
hassl-4380	43	12	1	1	NUM
hassl-4380	43	13	is	be	AUX
hassl-4380	43	14	about	about	ADP
hassl-4380	43	15	the	the	DET
hassl-4380	43	16	introduction	introduction	NOUN
hassl-4380	43	17	,	,	PUNCT
hassl-4380	43	18	section	section	NOUN
hassl-4380	43	19	2	2	NUM
hassl-4380	43	20	presents	present	VERB
hassl-4380	43	21	the	the	DET
hassl-4380	43	22	theoretical	theoretical	ADJ
hassl-4380	43	23	framework	framework	NOUN
hassl-4380	43	24	,	,	PUNCT
hassl-4380	43	25	literature	literature	NOUN
hassl-4380	43	26	review	review	NOUN
hassl-4380	43	27	,	,	PUNCT
hassl-4380	43	28	and	and	CCONJ
hassl-4380	43	29	hypotheses	hypothesis	NOUN
hassl-4380	43	30	.	.	PUNCT
hassl-4380	44	1	following	follow	VERB
hassl-4380	44	2	that	that	PRON
hassl-4380	44	3	,	,	PUNCT
hassl-4380	44	4	section	section	NOUN
hassl-4380	44	5	3	3	NUM
hassl-4380	44	6	describes	describe	VERB
hassl-4380	44	7	the	the	DET
hassl-4380	44	8	methodology	methodology	NOUN
hassl-4380	44	9	and	and	CCONJ
hassl-4380	44	10	data	datum	NOUN
hassl-4380	44	11	used	use	VERB
hassl-4380	44	12	in	in	ADP
hassl-4380	44	13	this	this	DET
hassl-4380	44	14	research	research	NOUN
hassl-4380	44	15	.	.	PUNCT
hassl-4380	45	1	subsequently	subsequently	ADV
hassl-4380	45	2	,	,	PUNCT
hassl-4380	45	3	the	the	DET
hassl-4380	45	4	results	result	NOUN
hassl-4380	45	5	and	and	CCONJ
hassl-4380	45	6	discussions	discussion	NOUN
hassl-4380	45	7	will	will	AUX
hassl-4380	45	8	be	be	AUX
hassl-4380	45	9	presented	present	VERB
hassl-4380	45	10	.	.	PUNCT
hassl-4380	46	1	finally	finally	ADV
hassl-4380	46	2	,	,	PUNCT
hassl-4380	46	3	the	the	DET
hassl-4380	46	4	paper	paper	NOUN
hassl-4380	46	5	will	will	AUX
hassl-4380	46	6	propose	propose	VERB
hassl-4380	46	7	conclusions	conclusion	NOUN
hassl-4380	46	8	and	and	CCONJ
hassl-4380	46	9	recommendations	recommendation	NOUN
hassl-4380	46	10	.	.	PUNCT
hassl-4380	47	1	2	2	X
hassl-4380	47	2	.	.	X
hassl-4380	47	3	theoretical	theoretical	ADJ
hassl-4380	47	4	framework	framework	NOUN
hassl-4380	47	5	and	and	CCONJ
hassl-4380	47	6	literature	literature	NOUN
hassl-4380	47	7	review	review	NOUN
hassl-4380	47	8	2.1	2.1	NUM
hassl-4380	47	9	.	.	PUNCT
hassl-4380	48	1	financial	financial	ADJ
hassl-4380	48	2	literacy	literacy	NOUN
hassl-4380	48	3	and	and	CCONJ
hassl-4380	48	4	theory	theory	NOUN
hassl-4380	48	5	of	of	ADP
hassl-4380	48	6	planned	plan	VERB
hassl-4380	48	7	behavior	behavior	NOUN
hassl-4380	48	8	fl	fl	NOUN
hassl-4380	48	9	is	be	AUX
hassl-4380	48	10	a	a	DET
hassl-4380	48	11	set	set	NOUN
hassl-4380	48	12	of	of	ADP
hassl-4380	48	13	abilities	ability	NOUN
hassl-4380	48	14	and	and	CCONJ
hassl-4380	48	15	information	information	NOUN
hassl-4380	48	16	that	that	PRON
hassl-4380	48	17	enable	enable	VERB
hassl-4380	48	18	an	an	DET
hassl-4380	48	19	individual	individual	NOUN
hassl-4380	48	20	to	to	PART
hassl-4380	48	21	make	make	VERB
hassl-4380	48	22	well	well	ADV
hassl-4380	48	23	-	-	PUNCT
hassl-4380	48	24	informed	inform	VERB
hassl-4380	48	25	decisions	decision	NOUN
hassl-4380	48	26	.	.	PUNCT
hassl-4380	49	1	additionally	additionally	ADV
hassl-4380	49	2	,	,	PUNCT
hassl-4380	49	3	fl	fl	PROPN
hassl-4380	49	4	is	be	AUX
hassl-4380	49	5	defined	define	VERB
hassl-4380	49	6	as	as	ADP
hassl-4380	49	7	the	the	DET
hassl-4380	49	8	capacity	capacity	NOUN
hassl-4380	49	9	to	to	PART
hassl-4380	49	10	make	make	VERB
hassl-4380	49	11	wise	wise	ADJ
hassl-4380	49	12	financial	financial	ADJ
hassl-4380	49	13	judgments	judgment	NOUN
hassl-4380	49	14	(	(	PUNCT
hassl-4380	49	15	nugraha	nugraha	NOUN
hassl-4380	49	16	et	et	PROPN
hassl-4380	49	17	al	al	PROPN
hassl-4380	49	18	.	.	PROPN
hassl-4380	49	19	,	,	PUNCT
hassl-4380	49	20	2021	2021	NUM
hassl-4380	49	21	)	)	PUNCT
hassl-4380	49	22	.	.	PUNCT
hassl-4380	50	1	furthermore	furthermore	ADV
hassl-4380	50	2	,	,	PUNCT
hassl-4380	50	3	fl	fl	PROPN
hassl-4380	50	4	is	be	AUX
hassl-4380	50	5	analyzed	analyze	VERB
hassl-4380	50	6	by	by	ADP
hassl-4380	50	7	hc	hc	PROPN
hassl-4380	50	8	and	and	CCONJ
hassl-4380	50	9	gusaptono	gusaptono	NOUN
hassl-4380	50	10	(	(	PUNCT
hassl-4380	50	11	2020	2020	NUM
hassl-4380	50	12	)	)	PUNCT
hassl-4380	50	13	as	as	SCONJ
hassl-4380	50	14	the	the	DET
hassl-4380	50	15	information	information	NOUN
hassl-4380	50	16	and	and	CCONJ
hassl-4380	50	17	abilities	ability	NOUN
hassl-4380	50	18	required	require	VERB
hassl-4380	50	19	to	to	PART
hassl-4380	50	20	make	make	VERB
hassl-4380	50	21	wise	wise	ADJ
hassl-4380	50	22	financial	financial	ADJ
hassl-4380	50	23	decisions	decision	NOUN
hassl-4380	50	24	,	,	PUNCT
hassl-4380	50	25	which	which	PRON
hassl-4380	50	26	include	include	VERB
hassl-4380	50	27	managing	manage	VERB
hassl-4380	50	28	debt	debt	NOUN
hassl-4380	50	29	,	,	PUNCT
hassl-4380	50	30	budgeting	budgeting	NOUN
hassl-4380	50	31	,	,	PUNCT
hassl-4380	50	32	saving	saving	NOUN
hassl-4380	50	33	,	,	PUNCT
hassl-4380	50	34	and	and	CCONJ
hassl-4380	50	35	investing	investing	NOUN
hassl-4380	50	36	.	.	PUNCT
hassl-4380	51	1	it	it	PRON
hassl-4380	51	2	is	be	AUX
hassl-4380	51	3	essential	essential	ADJ
hassl-4380	51	4	to	to	PART
hassl-4380	51	5	understand	understand	VERB
hassl-4380	51	6	financial	financial	ADJ
hassl-4380	51	7	ideas	idea	NOUN
hassl-4380	51	8	,	,	PUNCT
hassl-4380	51	9	products	product	NOUN
hassl-4380	51	10	,	,	PUNCT
hassl-4380	51	11	and	and	CCONJ
hassl-4380	51	12	services	service	NOUN
hassl-4380	51	13	in	in	ADP
hassl-4380	51	14	addition	addition	NOUN
hassl-4380	51	15	to	to	ADP
hassl-4380	51	16	the	the	DET
hassl-4380	51	17	capacity	capacity	NOUN
hassl-4380	51	18	to	to	PART
hassl-4380	51	19	make	make	VERB
hassl-4380	51	20	wise	wise	ADJ
hassl-4380	51	21	financial	financial	ADJ
hassl-4380	51	22	decisions	decision	NOUN
hassl-4380	51	23	(	(	PUNCT
hassl-4380	51	24	hc	hc	PROPN
hassl-4380	51	25	&	&	CCONJ
hassl-4380	51	26	gusaptono	gusaptono	PROPN
hassl-4380	51	27	,	,	PUNCT
hassl-4380	51	28	2020	2020	NUM
hassl-4380	51	29	)	)	PUNCT
hassl-4380	51	30	.	.	PUNCT
hassl-4380	52	1	according	accord	VERB
hassl-4380	52	2	to	to	ADP
hassl-4380	52	3	tschache	tschache	NOUN
hassl-4380	52	4	(	(	PUNCT
hassl-4380	52	5	2009	2009	NUM
hassl-4380	52	6	)	)	PUNCT
hassl-4380	52	7	,	,	PUNCT
hassl-4380	52	8	many	many	ADJ
hassl-4380	52	9	educators	educator	NOUN
hassl-4380	52	10	believe	believe	VERB
hassl-4380	52	11	that	that	SCONJ
hassl-4380	52	12	fl	fl	PROPN
hassl-4380	52	13	plays	play	VERB
hassl-4380	52	14	an	an	DET
hassl-4380	52	15	important	important	ADJ
hassl-4380	52	16	role	role	NOUN
hassl-4380	52	17	for	for	ADP
hassl-4380	52	18	university	university	NOUN
hassl-4380	52	19	students	student	NOUN
hassl-4380	52	20	because	because	SCONJ
hassl-4380	52	21	they	they	PRON
hassl-4380	52	22	often	often	ADV
hassl-4380	52	23	encounter	encounter	VERB
hassl-4380	52	24	financial	financial	ADJ
hassl-4380	52	25	problems	problem	NOUN
hassl-4380	52	26	and	and	CCONJ
hassl-4380	52	27	challenges	challenge	NOUN
hassl-4380	52	28	.	.	PUNCT
hassl-4380	53	1	facing	face	VERB
hassl-4380	53	2	these	these	DET
hassl-4380	53	3	issues	issue	NOUN
hassl-4380	53	4	can	can	AUX
hassl-4380	53	5	easily	easily	ADV
hassl-4380	53	6	cause	cause	VERB
hassl-4380	53	7	negative	negative	ADJ
hassl-4380	53	8	consequences	consequence	NOUN
hassl-4380	53	9	on	on	ADP
hassl-4380	53	10	the	the	DET
hassl-4380	53	11	academic	academic	ADJ
hassl-4380	53	12	performance	performance	NOUN
hassl-4380	53	13	,	,	PUNCT
hassl-4380	53	14	mental	mental	ADJ
hassl-4380	53	15	,	,	PUNCT
hassl-4380	53	16	and	and	CCONJ
hassl-4380	53	17	physical	physical	ADJ
hassl-4380	53	18	health	health	NOUN
hassl-4380	53	19	of	of	ADP
hassl-4380	53	20	young	young	ADJ
hassl-4380	53	21	people	people	NOUN
hassl-4380	53	22	.	.	PUNCT
hassl-4380	54	1	the	the	DET
hassl-4380	54	2	theory	theory	NOUN
hassl-4380	54	3	of	of	ADP
hassl-4380	54	4	planned	plan	VERB
hassl-4380	54	5	behavior	behavior	NOUN
hassl-4380	54	6	(	(	PUNCT
hassl-4380	54	7	tpb	tpb	NOUN
hassl-4380	54	8	)	)	PUNCT
hassl-4380	54	9	was	be	AUX
hassl-4380	54	10	utilized	utilize	VERB
hassl-4380	54	11	to	to	PART
hassl-4380	54	12	support	support	VERB
hassl-4380	54	13	this	this	DET
hassl-4380	54	14	research	research	NOUN
hassl-4380	54	15	.	.	PUNCT
hassl-4380	55	1	tpb	tpb	NOUN
hassl-4380	55	2	explores	explore	NOUN
hassl-4380	55	3	the	the	DET
hassl-4380	55	4	link	link	NOUN
hassl-4380	55	5	between	between	ADP
hassl-4380	55	6	individuals	individual	NOUN
hassl-4380	55	7	'	'	PART
hassl-4380	55	8	attitudes	attitude	NOUN
hassl-4380	55	9	and	and	CCONJ
hassl-4380	55	10	their	their	PRON
hassl-4380	55	11	behavior	behavior	NOUN
hassl-4380	55	12	(	(	PUNCT
hassl-4380	55	13	saunders	saunders	PROPN
hassl-4380	55	14	,	,	PUNCT
hassl-4380	55	15	lewis	lewis	PROPN
hassl-4380	55	16	,	,	PUNCT
hassl-4380	55	17	&	&	CCONJ
hassl-4380	55	18	thornhill	thornhill	PROPN
hassl-4380	55	19	,	,	PUNCT
hassl-4380	55	20	2019	2019	NUM
hassl-4380	55	21	)	)	PUNCT
hassl-4380	55	22	.	.	PUNCT
hassl-4380	56	1	based	base	VERB
hassl-4380	56	2	on	on	ADP
hassl-4380	56	3	this	this	DET
hassl-4380	56	4	theory	theory	NOUN
hassl-4380	56	5	,	,	PUNCT
hassl-4380	56	6	attitudes	attitude	NOUN
hassl-4380	56	7	toward	toward	ADP
hassl-4380	56	8	a	a	DET
hassl-4380	56	9	given	give	VERB
hassl-4380	56	10	behavior	behavior	NOUN
hassl-4380	56	11	,	,	PUNCT
hassl-4380	56	12	subjective	subjective	ADJ
hassl-4380	56	13	norms	norm	NOUN
hassl-4380	56	14	,	,	PUNCT
hassl-4380	56	15	and	and	CCONJ
hassl-4380	56	16	perceived	perceive	VERB
hassl-4380	56	17	behavioral	behavioral	ADJ
hassl-4380	56	18	control	control	NOUN
hassl-4380	56	19	shape	shape	VERB
hassl-4380	56	20	an	an	DET
hassl-4380	56	21	individual	individual	NOUN
hassl-4380	56	22	's	's	PART
hassl-4380	56	23	intentions	intention	NOUN
hassl-4380	56	24	and	and	CCONJ
hassl-4380	56	25	actual	actual	ADJ
hassl-4380	56	26	actions	action	NOUN
hassl-4380	56	27	(	(	PUNCT
hassl-4380	56	28	saunders	saunder	NOUN
hassl-4380	56	29	et	et	PROPN
hassl-4380	56	30	al	al	PROPN
hassl-4380	56	31	.	.	PROPN
hassl-4380	56	32	,	,	PUNCT
hassl-4380	56	33	2019	2019	NUM
hassl-4380	56	34	)	)	PUNCT
hassl-4380	56	35	.	.	PUNCT
hassl-4380	57	1	this	this	DET
hassl-4380	57	2	theory	theory	NOUN
hassl-4380	57	3	is	be	AUX
hassl-4380	57	4	suitable	suitable	ADJ
hassl-4380	57	5	for	for	ADP
hassl-4380	57	6	research	research	NOUN
hassl-4380	57	7	because	because	SCONJ
hassl-4380	57	8	the	the	DET
hassl-4380	57	9	theory	theory	NOUN
hassl-4380	57	10	of	of	ADP
hassl-4380	57	11	planned	plan	VERB
hassl-4380	57	12	behavior	behavior	NOUN
hassl-4380	57	13	(	(	PUNCT
hassl-4380	57	14	tpb	tpb	NOUN
hassl-4380	57	15	)	)	PUNCT
hassl-4380	57	16	helps	help	VERB
hassl-4380	57	17	explain	explain	VERB
hassl-4380	57	18	why	why	SCONJ
hassl-4380	57	19	participants	participant	NOUN
hassl-4380	57	20	tend	tend	VERB
hassl-4380	57	21	to	to	PART
hassl-4380	57	22	want	want	VERB
hassl-4380	57	23	to	to	PART
hassl-4380	57	24	spend	spend	VERB
hassl-4380	57	25	,	,	PUNCT
hassl-4380	57	26	save	save	VERB
hassl-4380	57	27	,	,	PUNCT
hassl-4380	57	28	or	or	CCONJ
hassl-4380	57	29	invest	invest	VERB
hassl-4380	57	30	differently	differently	ADV
hassl-4380	57	31	depending	depend	VERB
hassl-4380	57	32	on	on	ADP
hassl-4380	57	33	personal	personal	ADJ
hassl-4380	57	34	beliefs	belief	NOUN
hassl-4380	57	35	or	or	CCONJ
hassl-4380	57	36	social	social	ADJ
hassl-4380	57	37	pressures	pressure	NOUN
hassl-4380	57	38	.	.	PUNCT
hassl-4380	58	1	additionally	additionally	ADV
hassl-4380	58	2	,	,	PUNCT
hassl-4380	58	3	tpb	tpb	NOUN
hassl-4380	58	4	is	be	AUX
hassl-4380	58	5	suitable	suitable	ADJ
hassl-4380	58	6	for	for	ADP
hassl-4380	58	7	testing	test	VERB
hassl-4380	58	8	through	through	ADP
hassl-4380	58	9	surveys	survey	NOUN
hassl-4380	58	10	and	and	CCONJ
hassl-4380	58	11	data	datum	NOUN
hassl-4380	58	12	modeling	modeling	NOUN
hassl-4380	58	13	,	,	PUNCT
hassl-4380	58	14	which	which	PRON
hassl-4380	58	15	is	be	AUX
hassl-4380	58	16	appropriate	appropriate	ADJ
hassl-4380	58	17	for	for	ADP
hassl-4380	58	18	quantitative	quantitative	ADJ
hassl-4380	58	19	studies	study	NOUN
hassl-4380	58	20	.	.	PUNCT
hassl-4380	59	1	humanities	humanity	NOUN
hassl-4380	59	2	and	and	CCONJ
hassl-4380	59	3	social	social	ADJ
hassl-4380	59	4	sciences	science	NOUN
hassl-4380	59	5	letters	letter	NOUN
hassl-4380	59	6	,	,	PUNCT
hassl-4380	59	7	2025	2025	NUM
hassl-4380	59	8	,	,	PUNCT
hassl-4380	59	9	13(3	13(3	NUM
hassl-4380	59	10	):	):	PUNCT
hassl-4380	59	11	1037	1037	NUM
hassl-4380	59	12	-	-	SYM
hassl-4380	59	13	1052	1052	NUM
hassl-4380	59	14	1039	1039	NUM
hassl-4380	59	15	©	©	PROPN
hassl-4380	59	16	2025	2025	NUM
hassl-4380	59	17	conscientia	conscientia	PROPN
hassl-4380	59	18	beam	beam	PROPN
hassl-4380	59	19	.	.	PUNCT
hassl-4380	60	1	all	all	DET
hassl-4380	60	2	rights	right	NOUN
hassl-4380	60	3	reserved	reserve	VERB
hassl-4380	60	4	.	.	PUNCT
hassl-4380	61	1	2.2	2.2	NUM
hassl-4380	61	2	.	.	PUNCT
hassl-4380	61	3	financial	financial	ADJ
hassl-4380	61	4	behaviors	behavior	NOUN
hassl-4380	61	5	and	and	CCONJ
hassl-4380	61	6	financial	financial	ADJ
hassl-4380	61	7	behaviors	behavior	NOUN
hassl-4380	61	8	measurements	measurement	VERB
hassl-4380	61	9	2.2.1	2.2.1	NUM
hassl-4380	61	10	.	.	PUNCT
hassl-4380	62	1	financial	financial	ADJ
hassl-4380	62	2	behaviors	behavior	NOUN
hassl-4380	62	3	financial	financial	ADJ
hassl-4380	62	4	behaviors	behavior	NOUN
hassl-4380	62	5	(	(	PUNCT
hassl-4380	62	6	fb	fb	INTJ
hassl-4380	62	7	)	)	PUNCT
hassl-4380	62	8	are	be	AUX
hassl-4380	62	9	the	the	DET
hassl-4380	62	10	decisions	decision	NOUN
hassl-4380	62	11	and	and	CCONJ
hassl-4380	62	12	activities	activity	NOUN
hassl-4380	62	13	made	make	VERB
hassl-4380	62	14	to	to	PART
hassl-4380	62	15	manage	manage	VERB
hassl-4380	62	16	individuals	individual	NOUN
hassl-4380	62	17	'	'	PART
hassl-4380	62	18	finances	finance	NOUN
hassl-4380	62	19	,	,	PUNCT
hassl-4380	62	20	such	such	ADJ
hassl-4380	62	21	as	as	ADP
hassl-4380	62	22	credit	credit	NOUN
hassl-4380	62	23	management	management	NOUN
hassl-4380	62	24	,	,	PUNCT
hassl-4380	62	25	savings	saving	NOUN
hassl-4380	62	26	,	,	PUNCT
hassl-4380	62	27	investing	investing	NOUN
hassl-4380	62	28	,	,	PUNCT
hassl-4380	62	29	or	or	CCONJ
hassl-4380	62	30	retirement	retirement	NOUN
hassl-4380	62	31	planning	planning	NOUN
hassl-4380	62	32	(	(	PUNCT
hassl-4380	62	33	tang	tang	PROPN
hassl-4380	62	34	&	&	CCONJ
hassl-4380	62	35	baker	baker	PROPN
hassl-4380	62	36	,	,	PUNCT
hassl-4380	62	37	2016	2016	NUM
hassl-4380	62	38	)	)	PUNCT
hassl-4380	62	39	.	.	PUNCT
hassl-4380	63	1	it	it	PRON
hassl-4380	63	2	is	be	AUX
hassl-4380	63	3	measured	measure	VERB
hassl-4380	63	4	by	by	ADP
hassl-4380	63	5	specific	specific	ADJ
hassl-4380	63	6	indicators	indicator	NOUN
hassl-4380	63	7	and	and	CCONJ
hassl-4380	63	8	the	the	DET
hassl-4380	63	9	financial	financial	ADJ
hassl-4380	63	10	management	management	NOUN
hassl-4380	63	11	activities	activity	NOUN
hassl-4380	63	12	of	of	ADP
hassl-4380	63	13	individuals	individual	NOUN
hassl-4380	63	14	(	(	PUNCT
hassl-4380	63	15	tang	tang	PROPN
hassl-4380	63	16	&	&	CCONJ
hassl-4380	63	17	baker	baker	PROPN
hassl-4380	63	18	,	,	PUNCT
hassl-4380	63	19	2016	2016	NUM
hassl-4380	63	20	)	)	PUNCT
hassl-4380	63	21	.	.	PUNCT
hassl-4380	64	1	according	accord	VERB
hassl-4380	64	2	to	to	ADP
hassl-4380	64	3	asaad	asaad	NOUN
hassl-4380	64	4	(	(	PUNCT
hassl-4380	64	5	2015	2015	NUM
hassl-4380	64	6	)	)	PUNCT
hassl-4380	64	7	,	,	PUNCT
hassl-4380	64	8	fb	fb	INTJ
hassl-4380	64	9	is	be	AUX
hassl-4380	64	10	crucial	crucial	ADJ
hassl-4380	64	11	to	to	ADP
hassl-4380	64	12	an	an	DET
hassl-4380	64	13	individual	individual	NOUN
hassl-4380	64	14	's	's	PART
hassl-4380	64	15	everyday	everyday	ADJ
hassl-4380	64	16	financial	financial	ADJ
hassl-4380	64	17	decision	decision	NOUN
hassl-4380	64	18	-	-	PUNCT
hassl-4380	64	19	making	making	NOUN
hassl-4380	64	20	,	,	PUNCT
hassl-4380	64	21	and	and	CCONJ
hassl-4380	64	22	financial	financial	ADJ
hassl-4380	64	23	literacy	literacy	NOUN
hassl-4380	64	24	goes	go	VERB
hassl-4380	64	25	beyond	beyond	ADP
hassl-4380	64	26	just	just	ADV
hassl-4380	64	27	numeracy	numeracy	NOUN
hassl-4380	64	28	knowledge	knowledge	NOUN
hassl-4380	64	29	.	.	PUNCT
hassl-4380	65	1	self	self	NOUN
hassl-4380	65	2	-	-	PUNCT
hassl-4380	65	3	assurance	assurance	NOUN
hassl-4380	65	4	in	in	ADP
hassl-4380	65	5	managing	manage	VERB
hassl-4380	65	6	financial	financial	ADJ
hassl-4380	65	7	decisions	decision	NOUN
hassl-4380	65	8	plays	play	VERB
hassl-4380	65	9	a	a	DET
hassl-4380	65	10	very	very	ADV
hassl-4380	65	11	important	important	ADJ
hassl-4380	65	12	and	and	CCONJ
hassl-4380	65	13	necessary	necessary	ADJ
hassl-4380	65	14	role	role	NOUN
hassl-4380	65	15	.	.	PUNCT
hassl-4380	66	1	this	this	PRON
hassl-4380	66	2	is	be	AUX
hassl-4380	66	3	something	something	PRON
hassl-4380	66	4	that	that	PRON
hassl-4380	66	5	educators	educator	NOUN
hassl-4380	66	6	and	and	CCONJ
hassl-4380	66	7	policymakers	policymaker	NOUN
hassl-4380	66	8	alike	alike	ADV
hassl-4380	66	9	need	need	VERB
hassl-4380	66	10	to	to	PART
hassl-4380	66	11	realize	realize	VERB
hassl-4380	66	12	.	.	PUNCT
hassl-4380	67	1	moreover	moreover	ADV
hassl-4380	67	2	,	,	PUNCT
hassl-4380	67	3	fb	fb	INTJ
hassl-4380	67	4	is	be	AUX
hassl-4380	67	5	important	important	ADJ
hassl-4380	67	6	as	as	SCONJ
hassl-4380	67	7	it	it	PRON
hassl-4380	67	8	affects	affect	VERB
hassl-4380	67	9	economic	economic	ADJ
hassl-4380	67	10	outcomes	outcome	NOUN
hassl-4380	67	11	and	and	CCONJ
hassl-4380	67	12	individual	individual	ADJ
hassl-4380	67	13	well	well	ADV
hassl-4380	67	14	-	-	PUNCT
hassl-4380	67	15	being	be	AUX
hassl-4380	67	16	(	(	PUNCT
hassl-4380	67	17	dolan	dolan	PROPN
hassl-4380	67	18	,	,	PUNCT
hassl-4380	67	19	elliott	elliott	PROPN
hassl-4380	67	20	,	,	PUNCT
hassl-4380	67	21	metcalfe	metcalfe	PROPN
hassl-4380	67	22	,	,	PUNCT
hassl-4380	67	23	&	&	CCONJ
hassl-4380	67	24	vlaev	vlaev	PROPN
hassl-4380	67	25	,	,	PUNCT
hassl-4380	67	26	2012	2012	NUM
hassl-4380	67	27	)	)	PUNCT
hassl-4380	67	28	.	.	PUNCT
hassl-4380	68	1	in	in	ADP
hassl-4380	68	2	financial	financial	ADJ
hassl-4380	68	3	behavior	behavior	NOUN
hassl-4380	68	4	,	,	PUNCT
hassl-4380	68	5	there	there	PRON
hassl-4380	68	6	are	be	VERB
hassl-4380	68	7	three	three	NUM
hassl-4380	68	8	measurement	measurement	NOUN
hassl-4380	68	9	factors	factor	NOUN
hassl-4380	68	10	:	:	PUNCT
hassl-4380	68	11	investment	investment	NOUN
hassl-4380	68	12	decisions	decision	NOUN
hassl-4380	68	13	,	,	PUNCT
hassl-4380	68	14	saving	save	VERB
hassl-4380	68	15	behavior	behavior	NOUN
hassl-4380	68	16	,	,	PUNCT
hassl-4380	68	17	and	and	CCONJ
hassl-4380	68	18	consumption	consumption	NOUN
hassl-4380	68	19	behavior	behavior	NOUN
hassl-4380	68	20	.	.	PUNCT
hassl-4380	69	1	2.2.2	2.2.2	X
hassl-4380	69	2	.	.	PUNCT
hassl-4380	69	3	investment	investment	NOUN
hassl-4380	69	4	decision	decision	NOUN
hassl-4380	69	5	according	accord	VERB
hassl-4380	69	6	to	to	ADP
hassl-4380	69	7	nugraha	nugraha	NOUN
hassl-4380	69	8	et	et	PROPN
hassl-4380	69	9	al	al	PROPN
hassl-4380	69	10	.	.	PROPN
hassl-4380	69	11	(	(	PUNCT
hassl-4380	69	12	2021	2021	NUM
hassl-4380	69	13	)	)	PUNCT
hassl-4380	69	14	,	,	PUNCT
hassl-4380	69	15	investment	investment	NOUN
hassl-4380	69	16	decision	decision	NOUN
hassl-4380	69	17	(	(	PUNCT
hassl-4380	69	18	i	i	NOUN
hassl-4380	69	19	d	d	PROPN
hassl-4380	69	20	)	)	PUNCT
hassl-4380	69	21	is	be	AUX
hassl-4380	69	22	the	the	DET
hassl-4380	69	23	process	process	NOUN
hassl-4380	69	24	of	of	ADP
hassl-4380	69	25	selecting	select	VERB
hassl-4380	69	26	an	an	DET
hassl-4380	69	27	investment	investment	NOUN
hassl-4380	69	28	strategy	strategy	NOUN
hassl-4380	69	29	among	among	ADP
hassl-4380	69	30	several	several	ADJ
hassl-4380	69	31	options	option	NOUN
hassl-4380	69	32	in	in	ADP
hassl-4380	69	33	an	an	DET
hassl-4380	69	34	uncertain	uncertain	ADJ
hassl-4380	69	35	environment	environment	NOUN
hassl-4380	69	36	.	.	PUNCT
hassl-4380	70	1	it	it	PRON
hassl-4380	70	2	entails	entail	VERB
hassl-4380	70	3	forecasting	forecast	VERB
hassl-4380	70	4	future	future	ADJ
hassl-4380	70	5	results	result	NOUN
hassl-4380	70	6	and	and	CCONJ
hassl-4380	70	7	requires	require	VERB
hassl-4380	70	8	a	a	DET
hassl-4380	70	9	deft	deft	ADJ
hassl-4380	70	10	interpretation	interpretation	NOUN
hassl-4380	70	11	of	of	ADP
hassl-4380	70	12	the	the	DET
hassl-4380	70	13	information	information	NOUN
hassl-4380	70	14	.	.	PUNCT
hassl-4380	71	1	nowadays	nowadays	ADV
hassl-4380	71	2	,	,	PUNCT
hassl-4380	71	3	investing	investing	NOUN
hassl-4380	71	4	is	be	AUX
hassl-4380	71	5	becoming	become	VERB
hassl-4380	71	6	increasingly	increasingly	ADV
hassl-4380	71	7	popular	popular	ADJ
hassl-4380	71	8	,	,	PUNCT
hassl-4380	71	9	especially	especially	ADV
hassl-4380	71	10	among	among	ADP
hassl-4380	71	11	young	young	ADJ
hassl-4380	71	12	people	people	NOUN
hassl-4380	71	13	,	,	PUNCT
hassl-4380	71	14	to	to	PART
hassl-4380	71	15	create	create	VERB
hassl-4380	71	16	wealth	wealth	NOUN
hassl-4380	71	17	and	and	CCONJ
hassl-4380	71	18	ensure	ensure	VERB
hassl-4380	71	19	their	their	PRON
hassl-4380	71	20	financial	financial	ADJ
hassl-4380	71	21	stability	stability	NOUN
hassl-4380	71	22	(	(	PUNCT
hassl-4380	71	23	lubis	lubis	PROPN
hassl-4380	71	24	,	,	PUNCT
hassl-4380	71	25	kumar	kumar	PROPN
hassl-4380	71	26	,	,	PUNCT
hassl-4380	71	27	ikbar	ikbar	NOUN
hassl-4380	71	28	,	,	PUNCT
hassl-4380	71	29	&	&	CCONJ
hassl-4380	71	30	muneer	muneer	NOUN
hassl-4380	71	31	,	,	PUNCT
hassl-4380	71	32	2015	2015	NUM
hassl-4380	71	33	)	)	PUNCT
hassl-4380	71	34	.	.	PUNCT
hassl-4380	72	1	according	accord	VERB
hassl-4380	72	2	to	to	ADP
hassl-4380	72	3	hamza	hamza	PROPN
hassl-4380	72	4	&	&	CCONJ
hassl-4380	72	5	arif	arif	PROPN
hassl-4380	72	6	(	(	PUNCT
hassl-4380	72	7	2019	2019	NUM
hassl-4380	72	8	)	)	PUNCT
hassl-4380	72	9	,	,	PUNCT
hassl-4380	72	10	the	the	DET
hassl-4380	72	11	relevance	relevance	NOUN
hassl-4380	72	12	of	of	ADP
hassl-4380	72	13	i	i	PROPN
hassl-4380	72	14	d	d	PROPN
hassl-4380	72	15	is	be	AUX
hassl-4380	72	16	rooted	root	VERB
hassl-4380	72	17	in	in	ADP
hassl-4380	72	18	the	the	DET
hassl-4380	72	19	fact	fact	NOUN
hassl-4380	72	20	that	that	SCONJ
hassl-4380	72	21	it	it	PRON
hassl-4380	72	22	is	be	AUX
hassl-4380	72	23	vital	vital	ADJ
hassl-4380	72	24	to	to	ADP
hassl-4380	72	25	the	the	DET
hassl-4380	72	26	financial	financial	ADJ
hassl-4380	72	27	prosperity	prosperity	NOUN
hassl-4380	72	28	of	of	ADP
hassl-4380	72	29	personal	personal	ADJ
hassl-4380	72	30	investors	investor	NOUN
hassl-4380	72	31	.	.	PUNCT
hassl-4380	73	1	while	while	SCONJ
hassl-4380	73	2	making	make	VERB
hassl-4380	73	3	poor	poor	ADJ
hassl-4380	73	4	investment	investment	NOUN
hassl-4380	73	5	choices	choice	NOUN
hassl-4380	73	6	can	can	AUX
hassl-4380	73	7	result	result	VERB
hassl-4380	73	8	in	in	ADP
hassl-4380	73	9	financial	financial	ADJ
hassl-4380	73	10	loss	loss	NOUN
hassl-4380	73	11	and	and	CCONJ
hassl-4380	73	12	hardship	hardship	NOUN
hassl-4380	73	13	,	,	PUNCT
hassl-4380	73	14	making	make	VERB
hassl-4380	73	15	smart	smart	ADJ
hassl-4380	73	16	ones	one	NOUN
hassl-4380	73	17	can	can	AUX
hassl-4380	73	18	lead	lead	VERB
hassl-4380	73	19	to	to	ADP
hassl-4380	73	20	financial	financial	ADJ
hassl-4380	73	21	security	security	NOUN
hassl-4380	73	22	and	and	CCONJ
hassl-4380	73	23	prosperity	prosperity	NOUN
hassl-4380	73	24	(	(	PUNCT
hassl-4380	73	25	hamza	hamza	PROPN
hassl-4380	73	26	&	&	CCONJ
hassl-4380	73	27	arif	arif	PROPN
hassl-4380	73	28	,	,	PUNCT
hassl-4380	73	29	2019	2019	NUM
hassl-4380	73	30	)	)	PUNCT
hassl-4380	73	31	.	.	PUNCT
hassl-4380	74	1	2.2.3	2.2.3	X
hassl-4380	74	2	.	.	X
hassl-4380	74	3	saving	save	VERB
hassl-4380	74	4	behavior	behavior	NOUN
hassl-4380	74	5	saving	save	VERB
hassl-4380	74	6	behavior	behavior	NOUN
hassl-4380	74	7	(	(	PUNCT
hassl-4380	74	8	sb	sb	NOUN
hassl-4380	74	9	)	)	PUNCT
hassl-4380	74	10	refers	refer	VERB
hassl-4380	74	11	to	to	ADP
hassl-4380	74	12	the	the	DET
hassl-4380	74	13	propensity	propensity	NOUN
hassl-4380	74	14	of	of	ADP
hassl-4380	74	15	individuals	individual	NOUN
hassl-4380	74	16	to	to	PART
hassl-4380	74	17	save	save	VERB
hassl-4380	74	18	money	money	NOUN
hassl-4380	74	19	over	over	ADP
hassl-4380	74	20	time	time	NOUN
hassl-4380	74	21	.	.	PUNCT
hassl-4380	75	1	this	this	DET
hassl-4380	75	2	behavior	behavior	NOUN
hassl-4380	75	3	has	have	VERB
hassl-4380	75	4	a	a	DET
hassl-4380	75	5	significant	significant	ADJ
hassl-4380	75	6	genetic	genetic	ADJ
hassl-4380	75	7	component	component	NOUN
hassl-4380	75	8	,	,	PUNCT
hassl-4380	75	9	indicating	indicate	VERB
hassl-4380	75	10	that	that	SCONJ
hassl-4380	75	11	individuals	individual	NOUN
hassl-4380	75	12	are	be	AUX
hassl-4380	75	13	born	bear	VERB
hassl-4380	75	14	with	with	ADP
hassl-4380	75	15	a	a	DET
hassl-4380	75	16	predisposition	predisposition	NOUN
hassl-4380	75	17	to	to	PART
hassl-4380	75	18	save	save	VERB
hassl-4380	75	19	,	,	PUNCT
hassl-4380	75	20	but	but	CCONJ
hassl-4380	75	21	parenting	parenting	NOUN
hassl-4380	75	22	and	and	CCONJ
hassl-4380	75	23	environmental	environmental	ADJ
hassl-4380	75	24	factors	factor	NOUN
hassl-4380	75	25	also	also	ADV
hassl-4380	75	26	play	play	VERB
hassl-4380	75	27	a	a	DET
hassl-4380	75	28	role	role	NOUN
hassl-4380	75	29	in	in	ADP
hassl-4380	75	30	shaping	shape	VERB
hassl-4380	75	31	saving	saving	NOUN
hassl-4380	75	32	behavior	behavior	NOUN
hassl-4380	75	33	(	(	PUNCT
hassl-4380	75	34	cronqvist	cronqvist	PROPN
hassl-4380	75	35	&	&	CCONJ
hassl-4380	75	36	siegel	siegel	PROPN
hassl-4380	75	37	,	,	PUNCT
hassl-4380	75	38	2015	2015	NUM
hassl-4380	75	39	)	)	PUNCT
hassl-4380	75	40	.	.	PUNCT
hassl-4380	76	1	sb	sb	PROPN
hassl-4380	76	2	is	be	AUX
hassl-4380	76	3	crucial	crucial	ADJ
hassl-4380	76	4	for	for	ADP
hassl-4380	76	5	household	household	NOUN
hassl-4380	76	6	welfare	welfare	NOUN
hassl-4380	76	7	in	in	ADP
hassl-4380	76	8	emerging	emerge	VERB
hassl-4380	76	9	nations	nation	NOUN
hassl-4380	76	10	(	(	PUNCT
hassl-4380	76	11	afsar	afsar	PROPN
hassl-4380	76	12	,	,	PUNCT
hassl-4380	76	13	chaudhary	chaudhary	PROPN
hassl-4380	76	14	,	,	PUNCT
hassl-4380	76	15	iqbal	iqbal	PROPN
hassl-4380	76	16	,	,	PUNCT
hassl-4380	76	17	&	&	CCONJ
hassl-4380	76	18	aamir	aamir	PROPN
hassl-4380	76	19	,	,	PUNCT
hassl-4380	76	20	2018	2018	NUM
hassl-4380	76	21	)	)	PUNCT
hassl-4380	76	22	.	.	PUNCT
hassl-4380	77	1	savings	saving	NOUN
hassl-4380	77	2	are	be	AUX
hassl-4380	77	3	seen	see	VERB
hassl-4380	77	4	to	to	PART
hassl-4380	77	5	be	be	AUX
hassl-4380	77	6	the	the	DET
hassl-4380	77	7	primary	primary	ADJ
hassl-4380	77	8	element	element	NOUN
hassl-4380	77	9	influencing	influence	VERB
hassl-4380	77	10	the	the	DET
hassl-4380	77	11	economic	economic	ADJ
hassl-4380	77	12	growth	growth	NOUN
hassl-4380	77	13	of	of	ADP
hassl-4380	77	14	emerging	emerge	VERB
hassl-4380	77	15	nations	nation	NOUN
hassl-4380	77	16	.	.	PUNCT
hassl-4380	78	1	additionally	additionally	ADV
hassl-4380	78	2	,	,	PUNCT
hassl-4380	78	3	the	the	DET
hassl-4380	78	4	majority	majority	NOUN
hassl-4380	78	5	of	of	ADP
hassl-4380	78	6	students	student	NOUN
hassl-4380	78	7	are	be	AUX
hassl-4380	78	8	young	young	ADJ
hassl-4380	78	9	adults	adult	NOUN
hassl-4380	78	10	who	who	PRON
hassl-4380	78	11	constantly	constantly	ADV
hassl-4380	78	12	strive	strive	VERB
hassl-4380	78	13	to	to	PART
hassl-4380	78	14	equip	equip	VERB
hassl-4380	78	15	themselves	themselves	PRON
hassl-4380	78	16	with	with	ADP
hassl-4380	78	17	the	the	DET
hassl-4380	78	18	tools	tool	NOUN
hassl-4380	78	19	necessary	necessary	ADJ
hassl-4380	78	20	to	to	PART
hassl-4380	78	21	overcome	overcome	VERB
hassl-4380	78	22	obstacles	obstacle	NOUN
hassl-4380	78	23	outside	outside	ADP
hassl-4380	78	24	of	of	ADP
hassl-4380	78	25	the	the	DET
hassl-4380	78	26	classroom	classroom	NOUN
hassl-4380	78	27	.	.	PUNCT
hassl-4380	79	1	therefore	therefore	ADV
hassl-4380	79	2	,	,	PUNCT
hassl-4380	79	3	financial	financial	ADJ
hassl-4380	79	4	responsibility	responsibility	NOUN
hassl-4380	79	5	is	be	AUX
hassl-4380	79	6	a	a	DET
hassl-4380	79	7	requirement	requirement	NOUN
hassl-4380	79	8	for	for	ADP
hassl-4380	79	9	students	student	NOUN
hassl-4380	79	10	who	who	PRON
hassl-4380	79	11	live	live	VERB
hassl-4380	79	12	away	away	ADV
hassl-4380	79	13	from	from	ADP
hassl-4380	79	14	their	their	PRON
hassl-4380	79	15	parents	parent	NOUN
hassl-4380	79	16	(	(	PUNCT
hassl-4380	79	17	khalisharani	khalisharani	NOUN
hassl-4380	79	18	et	et	PROPN
hassl-4380	79	19	al	al	PROPN
hassl-4380	79	20	.	.	PROPN
hassl-4380	79	21	,	,	PUNCT
hassl-4380	79	22	2022	2022	NUM
hassl-4380	79	23	)	)	PUNCT
hassl-4380	79	24	.	.	PUNCT
hassl-4380	80	1	therefore	therefore	ADV
hassl-4380	80	2	,	,	PUNCT
hassl-4380	80	3	it	it	PRON
hassl-4380	80	4	is	be	AUX
hassl-4380	80	5	critical	critical	ADJ
hassl-4380	80	6	that	that	SCONJ
hassl-4380	80	7	students	student	NOUN
hassl-4380	80	8	learn	learn	VERB
hassl-4380	80	9	sound	sound	ADJ
hassl-4380	80	10	money	money	NOUN
hassl-4380	80	11	management	management	NOUN
hassl-4380	80	12	techniques	technique	NOUN
hassl-4380	80	13	,	,	PUNCT
hassl-4380	80	14	especially	especially	ADV
hassl-4380	80	15	in	in	ADP
hassl-4380	80	16	saving	save	VERB
hassl-4380	80	17	money	money	NOUN
hassl-4380	80	18	.	.	PUNCT
hassl-4380	81	1	2.2.4	2.2.4	NUM
hassl-4380	81	2	.	.	X
hassl-4380	81	3	consumption	consumption	NOUN
hassl-4380	81	4	behavior	behavior	NOUN
hassl-4380	81	5	consumption	consumption	NOUN
hassl-4380	81	6	behavior	behavior	NOUN
hassl-4380	81	7	(	(	PUNCT
hassl-4380	81	8	cb	cb	PROPN
hassl-4380	81	9	)	)	PUNCT
hassl-4380	81	10	refers	refer	VERB
hassl-4380	81	11	to	to	ADP
hassl-4380	81	12	the	the	DET
hassl-4380	81	13	movements	movement	NOUN
hassl-4380	81	14	and	and	CCONJ
hassl-4380	81	15	decisions	decision	NOUN
hassl-4380	81	16	made	make	VERB
hassl-4380	81	17	by	by	ADP
hassl-4380	81	18	individuals	individual	NOUN
hassl-4380	81	19	regarding	regard	VERB
hassl-4380	81	20	the	the	DET
hassl-4380	81	21	acquisition	acquisition	NOUN
hassl-4380	81	22	,	,	PUNCT
hassl-4380	81	23	consumption	consumption	NOUN
hassl-4380	81	24	,	,	PUNCT
hassl-4380	81	25	and	and	CCONJ
hassl-4380	81	26	disposal	disposal	NOUN
hassl-4380	81	27	of	of	ADP
hassl-4380	81	28	goods	good	NOUN
hassl-4380	81	29	and	and	CCONJ
hassl-4380	81	30	services	service	NOUN
hassl-4380	81	31	(	(	PUNCT
hassl-4380	81	32	nelson	nelson	PROPN
hassl-4380	81	33	&	&	CCONJ
hassl-4380	81	34	consoli	consoli	PROPN
hassl-4380	81	35	,	,	PUNCT
hassl-4380	81	36	2010	2010	NUM
hassl-4380	81	37	)	)	PUNCT
hassl-4380	81	38	.	.	PUNCT
hassl-4380	82	1	it	it	PRON
hassl-4380	82	2	includes	include	VERB
hassl-4380	82	3	various	various	ADJ
hassl-4380	82	4	aspects	aspect	NOUN
hassl-4380	82	5	such	such	ADJ
hassl-4380	82	6	as	as	ADP
hassl-4380	82	7	the	the	DET
hassl-4380	82	8	identification	identification	NOUN
hassl-4380	82	9	of	of	ADP
hassl-4380	82	10	needs	need	NOUN
hassl-4380	82	11	and	and	CCONJ
hassl-4380	82	12	wants	want	VERB
hassl-4380	82	13	,	,	PUNCT
hassl-4380	82	14	the	the	DET
hassl-4380	82	15	evaluation	evaluation	NOUN
hassl-4380	82	16	and	and	CCONJ
hassl-4380	82	17	selection	selection	NOUN
hassl-4380	82	18	of	of	ADP
hassl-4380	82	19	alternatives	alternative	NOUN
hassl-4380	82	20	,	,	PUNCT
hassl-4380	82	21	the	the	DET
hassl-4380	82	22	purchase	purchase	NOUN
hassl-4380	82	23	and	and	CCONJ
hassl-4380	82	24	use	use	NOUN
hassl-4380	82	25	of	of	ADP
hassl-4380	82	26	products	product	NOUN
hassl-4380	82	27	,	,	PUNCT
hassl-4380	82	28	the	the	DET
hassl-4380	82	29	post	post	ADJ
hassl-4380	82	30	-	-	ADJ
hassl-4380	82	31	purchase	purchase	ADJ
hassl-4380	82	32	evaluation	evaluation	NOUN
hassl-4380	82	33	,	,	PUNCT
hassl-4380	82	34	and	and	CCONJ
hassl-4380	82	35	the	the	DET
hassl-4380	82	36	disposal	disposal	NOUN
hassl-4380	82	37	of	of	ADP
hassl-4380	82	38	products	product	NOUN
hassl-4380	82	39	(	(	PUNCT
hassl-4380	82	40	nelson	nelson	PROPN
hassl-4380	82	41	&	&	CCONJ
hassl-4380	82	42	consoli	consoli	PROPN
hassl-4380	82	43	,	,	PUNCT
hassl-4380	82	44	2010	2010	NUM
hassl-4380	82	45	)	)	PUNCT
hassl-4380	82	46	.	.	PUNCT
hassl-4380	83	1	in	in	ADP
hassl-4380	83	2	today	today	NOUN
hassl-4380	83	3	's	's	PART
hassl-4380	83	4	interconnected	interconnected	ADJ
hassl-4380	83	5	and	and	CCONJ
hassl-4380	83	6	consumer	consumer	NOUN
hassl-4380	83	7	-	-	PUNCT
hassl-4380	83	8	driven	drive	VERB
hassl-4380	83	9	world	world	NOUN
hassl-4380	83	10	,	,	PUNCT
hassl-4380	83	11	cb	cb	PROPN
hassl-4380	83	12	holds	hold	VERB
hassl-4380	83	13	significant	significant	ADJ
hassl-4380	83	14	importance	importance	NOUN
hassl-4380	83	15	in	in	ADP
hassl-4380	83	16	shaping	shape	VERB
hassl-4380	83	17	individual	individual	ADJ
hassl-4380	83	18	and	and	CCONJ
hassl-4380	83	19	collective	collective	ADJ
hassl-4380	83	20	financial	financial	ADJ
hassl-4380	83	21	landscapes	landscape	NOUN
hassl-4380	83	22	.	.	PUNCT
hassl-4380	84	1	cb	cb	PROPN
hassl-4380	84	2	directly	directly	ADV
hassl-4380	84	3	impacts	impact	VERB
hassl-4380	84	4	economic	economic	ADJ
hassl-4380	84	5	growth	growth	NOUN
hassl-4380	84	6	and	and	CCONJ
hassl-4380	84	7	stability	stability	NOUN
hassl-4380	84	8	(	(	PUNCT
hassl-4380	84	9	lee	lee	PROPN
hassl-4380	84	10	&	&	CCONJ
hassl-4380	84	11	chang	chang	PROPN
hassl-4380	84	12	,	,	PUNCT
hassl-4380	84	13	2007	2007	NUM
hassl-4380	84	14	)	)	PUNCT
hassl-4380	84	15	.	.	PUNCT
hassl-4380	85	1	in	in	ADP
hassl-4380	85	2	many	many	ADJ
hassl-4380	85	3	countries	country	NOUN
hassl-4380	85	4	around	around	ADP
hassl-4380	85	5	the	the	DET
hassl-4380	85	6	world	world	NOUN
hassl-4380	85	7	,	,	PUNCT
hassl-4380	85	8	household	household	NOUN
hassl-4380	85	9	consumption	consumption	NOUN
hassl-4380	85	10	represents	represent	VERB
hassl-4380	85	11	a	a	DET
hassl-4380	85	12	major	major	ADJ
hassl-4380	85	13	component	component	NOUN
hassl-4380	85	14	of	of	ADP
hassl-4380	85	15	gdp	gdp	NOUN
hassl-4380	85	16	and	and	CCONJ
hassl-4380	85	17	plays	play	VERB
hassl-4380	85	18	a	a	DET
hassl-4380	85	19	pivotal	pivotal	ADJ
hassl-4380	85	20	role	role	NOUN
hassl-4380	85	21	in	in	ADP
hassl-4380	85	22	driving	drive	VERB
hassl-4380	85	23	economic	economic	ADJ
hassl-4380	85	24	growth	growth	NOUN
hassl-4380	85	25	(	(	PUNCT
hassl-4380	85	26	martin	martin	PROPN
hassl-4380	85	27	,	,	PUNCT
hassl-4380	85	28	hartman	hartman	PROPN
hassl-4380	85	29	,	,	PUNCT
hassl-4380	85	30	washington	washington	PROPN
hassl-4380	85	31	,	,	PUNCT
hassl-4380	85	32	catlin	catlin	PROPN
hassl-4380	85	33	,	,	PUNCT
hassl-4380	85	34	&	&	CCONJ
hassl-4380	85	35	team	team	PROPN
hassl-4380	85	36	,	,	PUNCT
hassl-4380	85	37	2017	2017	NUM
hassl-4380	85	38	)	)	PUNCT
hassl-4380	85	39	.	.	PUNCT
hassl-4380	86	1	additionally	additionally	ADV
hassl-4380	86	2	,	,	PUNCT
hassl-4380	86	3	cb	cb	PROPN
hassl-4380	86	4	plays	play	VERB
hassl-4380	86	5	a	a	DET
hassl-4380	86	6	pivotal	pivotal	ADJ
hassl-4380	86	7	role	role	NOUN
hassl-4380	86	8	in	in	ADP
hassl-4380	86	9	personal	personal	ADJ
hassl-4380	86	10	financial	financial	ADJ
hassl-4380	86	11	management	management	NOUN
hassl-4380	86	12	.	.	PUNCT
hassl-4380	87	1	individuals	individual	NOUN
hassl-4380	87	2	'	'	PART
hassl-4380	87	3	spending	spend	VERB
hassl-4380	87	4	behavior	behavior	NOUN
hassl-4380	87	5	directly	directly	ADV
hassl-4380	87	6	impacts	impact	VERB
hassl-4380	87	7	their	their	PRON
hassl-4380	87	8	financial	financial	ADJ
hassl-4380	87	9	well	well	NOUN
hassl-4380	87	10	-	-	PUNCT
hassl-4380	87	11	being	being	NOUN
hassl-4380	87	12	,	,	PUNCT
hassl-4380	87	13	influencing	influence	VERB
hassl-4380	87	14	factors	factor	NOUN
hassl-4380	87	15	such	such	ADJ
hassl-4380	87	16	as	as	ADP
hassl-4380	87	17	savings	saving	NOUN
hassl-4380	87	18	,	,	PUNCT
hassl-4380	87	19	levels	level	NOUN
hassl-4380	87	20	of	of	ADP
hassl-4380	87	21	debt	debt	NOUN
hassl-4380	87	22	,	,	PUNCT
hassl-4380	87	23	and	and	CCONJ
hassl-4380	87	24	investment	investment	NOUN
hassl-4380	87	25	portfolios	portfolio	NOUN
hassl-4380	87	26	(	(	PUNCT
hassl-4380	87	27	goyal	goyal	PROPN
hassl-4380	87	28	,	,	PUNCT
hassl-4380	87	29	kumar	kumar	PROPN
hassl-4380	87	30	,	,	PUNCT
hassl-4380	87	31	&	&	CCONJ
hassl-4380	87	32	xiao	xiao	PROPN
hassl-4380	87	33	,	,	PUNCT
hassl-4380	87	34	2021	2021	NUM
hassl-4380	87	35	)	)	PUNCT
hassl-4380	87	36	.	.	PUNCT
hassl-4380	88	1	humanities	humanity	NOUN
hassl-4380	88	2	and	and	CCONJ
hassl-4380	88	3	social	social	ADJ
hassl-4380	88	4	sciences	science	NOUN
hassl-4380	88	5	letters	letter	NOUN
hassl-4380	88	6	,	,	PUNCT
hassl-4380	88	7	2025	2025	NUM
hassl-4380	88	8	,	,	PUNCT
hassl-4380	88	9	13(3	13(3	NUM
hassl-4380	88	10	):	):	PUNCT
hassl-4380	88	11	1037	1037	NUM
hassl-4380	88	12	-	-	SYM
hassl-4380	88	13	1052	1052	NUM
hassl-4380	88	14	1040	1040	NUM
hassl-4380	88	15	©	©	PROPN
hassl-4380	88	16	2025	2025	NUM
hassl-4380	88	17	conscientia	conscientia	PROPN
hassl-4380	88	18	beam	beam	PROPN
hassl-4380	88	19	.	.	PUNCT
hassl-4380	89	1	all	all	DET
hassl-4380	89	2	rights	right	NOUN
hassl-4380	89	3	reserved	reserve	VERB
hassl-4380	89	4	.	.	PUNCT
hassl-4380	90	1	2.3	2.3	NUM
hassl-4380	90	2	.	.	PUNCT
hassl-4380	91	1	the	the	DET
hassl-4380	91	2	impact	impact	NOUN
hassl-4380	91	3	of	of	ADP
hassl-4380	91	4	financial	financial	ADJ
hassl-4380	91	5	literacy	literacy	NOUN
hassl-4380	91	6	on	on	ADP
hassl-4380	91	7	financial	financial	ADJ
hassl-4380	91	8	behaviors	behavior	NOUN
hassl-4380	91	9	2.3.1	2.3.1	NUM
hassl-4380	91	10	.	.	PUNCT
hassl-4380	92	1	the	the	DET
hassl-4380	92	2	impact	impact	NOUN
hassl-4380	92	3	of	of	ADP
hassl-4380	92	4	financial	financial	ADJ
hassl-4380	92	5	literacy	literacy	NOUN
hassl-4380	92	6	on	on	ADP
hassl-4380	92	7	investment	investment	NOUN
hassl-4380	92	8	decision	decision	NOUN
hassl-4380	92	9	fl	fl	NOUN
hassl-4380	92	10	is	be	AUX
hassl-4380	92	11	defined	define	VERB
hassl-4380	92	12	as	as	ADP
hassl-4380	92	13	the	the	DET
hassl-4380	92	14	ability	ability	NOUN
hassl-4380	92	15	to	to	PART
hassl-4380	92	16	manage	manage	VERB
hassl-4380	92	17	money	money	NOUN
hassl-4380	92	18	sensibly	sensibly	ADV
hassl-4380	92	19	and	and	CCONJ
hassl-4380	92	20	successfully	successfully	ADV
hassl-4380	92	21	(	(	PUNCT
hassl-4380	92	22	braunstein	braunstein	NOUN
hassl-4380	92	23	&	&	CCONJ
hassl-4380	92	24	welch	welch	PROPN
hassl-4380	92	25	,	,	PUNCT
hassl-4380	92	26	2002	2002	NUM
hassl-4380	92	27	)	)	PUNCT
hassl-4380	92	28	.	.	PUNCT
hassl-4380	93	1	specifically	specifically	ADV
hassl-4380	93	2	,	,	PUNCT
hassl-4380	93	3	financial	financial	ADJ
hassl-4380	93	4	development	development	NOUN
hassl-4380	93	5	and	and	CCONJ
hassl-4380	93	6	economic	economic	ADJ
hassl-4380	93	7	progress	progress	NOUN
hassl-4380	93	8	are	be	AUX
hassl-4380	93	9	supported	support	VERB
hassl-4380	93	10	by	by	ADP
hassl-4380	93	11	fl	fl	PROPN
hassl-4380	93	12	(	(	PUNCT
hassl-4380	93	13	basha	basha	PROPN
hassl-4380	93	14	,	,	PUNCT
hassl-4380	93	15	bennasr	bennasr	PROPN
hassl-4380	93	16	,	,	PUNCT
hassl-4380	93	17	&	&	CCONJ
hassl-4380	93	18	goaied	goaie	VERB
hassl-4380	93	19	,	,	PUNCT
hassl-4380	93	20	2023	2023	NUM
hassl-4380	93	21	)	)	PUNCT
hassl-4380	93	22	.	.	PUNCT
hassl-4380	94	1	therefore	therefore	ADV
hassl-4380	94	2	,	,	PUNCT
hassl-4380	94	3	it	it	PRON
hassl-4380	94	4	is	be	AUX
hassl-4380	94	5	important	important	ADJ
hassl-4380	94	6	to	to	PART
hassl-4380	94	7	understand	understand	VERB
hassl-4380	94	8	whether	whether	SCONJ
hassl-4380	94	9	the	the	DET
hassl-4380	94	10	younger	young	ADJ
hassl-4380	94	11	generation	generation	NOUN
hassl-4380	94	12	especially	especially	ADV
hassl-4380	94	13	college	college	NOUN
hassl-4380	94	14	students	student	NOUN
hassl-4380	94	15	possesses	possess	VERB
hassl-4380	94	16	the	the	DET
hassl-4380	94	17	requisite	requisite	ADJ
hassl-4380	94	18	competence	competence	NOUN
hassl-4380	94	19	in	in	ADP
hassl-4380	94	20	financial	financial	ADJ
hassl-4380	94	21	principles	principle	NOUN
hassl-4380	94	22	.	.	PUNCT
hassl-4380	95	1	these	these	DET
hassl-4380	95	2	young	young	ADJ
hassl-4380	95	3	people	people	NOUN
hassl-4380	95	4	are	be	AUX
hassl-4380	95	5	seen	see	VERB
hassl-4380	95	6	as	as	ADP
hassl-4380	95	7	the	the	DET
hassl-4380	95	8	economy	economy	NOUN
hassl-4380	95	9	's	's	PART
hassl-4380	95	10	future	future	ADJ
hassl-4380	95	11	drivers	driver	NOUN
hassl-4380	95	12	,	,	PUNCT
hassl-4380	95	13	investors	investor	NOUN
hassl-4380	95	14	,	,	PUNCT
hassl-4380	95	15	and	and	CCONJ
hassl-4380	95	16	transformers	transformer	NOUN
hassl-4380	95	17	.	.	PUNCT
hassl-4380	96	1	fl	fl	PROPN
hassl-4380	96	2	plays	play	VERB
hassl-4380	96	3	an	an	DET
hassl-4380	96	4	essential	essential	ADJ
hassl-4380	96	5	role	role	NOUN
hassl-4380	96	6	in	in	ADP
hassl-4380	96	7	shaping	shape	VERB
hassl-4380	96	8	the	the	DET
hassl-4380	96	9	identity	identity	NOUN
hassl-4380	96	10	of	of	ADP
hassl-4380	96	11	students	student	NOUN
hassl-4380	96	12	worldwide	worldwide	ADV
hassl-4380	96	13	.	.	PUNCT
hassl-4380	97	1	empirical	empirical	ADJ
hassl-4380	97	2	studies	study	NOUN
hassl-4380	97	3	have	have	AUX
hassl-4380	97	4	consistently	consistently	ADV
hassl-4380	97	5	highlighted	highlight	VERB
hassl-4380	97	6	the	the	DET
hassl-4380	97	7	positive	positive	ADJ
hassl-4380	97	8	relationship	relationship	NOUN
hassl-4380	97	9	between	between	ADP
hassl-4380	97	10	fl	fl	PROPN
hassl-4380	97	11	and	and	CCONJ
hassl-4380	97	12	id	id	NOUN
hassl-4380	97	13	-	-	PUNCT
hassl-4380	97	14	making	making	NOUN
hassl-4380	97	15	among	among	ADP
hassl-4380	97	16	young	young	ADJ
hassl-4380	97	17	adults	adult	NOUN
hassl-4380	97	18	.	.	PUNCT
hassl-4380	98	1	additionally	additionally	ADV
hassl-4380	98	2	,	,	PUNCT
hassl-4380	98	3	financially	financially	ADV
hassl-4380	98	4	literate	literate	ADJ
hassl-4380	98	5	people	people	NOUN
hassl-4380	98	6	tend	tend	VERB
hassl-4380	98	7	to	to	PART
hassl-4380	98	8	exhibit	exhibit	VERB
hassl-4380	98	9	greater	great	ADJ
hassl-4380	98	10	risk	risk	NOUN
hassl-4380	98	11	-	-	PUNCT
hassl-4380	98	12	taking	take	VERB
hassl-4380	98	13	behaviors	behavior	NOUN
hassl-4380	98	14	and	and	CCONJ
hassl-4380	98	15	are	be	AUX
hassl-4380	98	16	more	more	ADV
hassl-4380	98	17	likely	likely	ADJ
hassl-4380	98	18	to	to	PART
hassl-4380	98	19	diversify	diversify	VERB
hassl-4380	98	20	their	their	PRON
hassl-4380	98	21	investment	investment	NOUN
hassl-4380	98	22	portfolios	portfolio	NOUN
hassl-4380	98	23	effectively	effectively	ADV
hassl-4380	98	24	(	(	PUNCT
hassl-4380	98	25	awais	awais	PROPN
hassl-4380	98	26	,	,	PUNCT
hassl-4380	98	27	laber	laber	PROPN
hassl-4380	98	28	,	,	PUNCT
hassl-4380	98	29	rasheed	rasheed	NOUN
hassl-4380	98	30	,	,	PUNCT
hassl-4380	98	31	&	&	CCONJ
hassl-4380	98	32	khursheed	khursheed	PROPN
hassl-4380	98	33	,	,	PUNCT
hassl-4380	98	34	2016	2016	NUM
hassl-4380	98	35	)	)	PUNCT
hassl-4380	98	36	.	.	PUNCT
hassl-4380	99	1	similarly	similarly	ADV
hassl-4380	99	2	,	,	PUNCT
hassl-4380	99	3	the	the	DET
hassl-4380	99	4	study	study	NOUN
hassl-4380	99	5	by	by	ADP
hassl-4380	99	6	baihaqqy	baihaqqy	ADJ
hassl-4380	99	7	,	,	PUNCT
hassl-4380	99	8	disman	disman	NOUN
hassl-4380	99	9	,	,	PUNCT
hassl-4380	99	10	sari	sari	NOUN
hassl-4380	99	11	,	,	PUNCT
hassl-4380	99	12	and	and	CCONJ
hassl-4380	99	13	ikhsan	ikhsan	ADJ
hassl-4380	99	14	(	(	PUNCT
hassl-4380	99	15	2020	2020	NUM
hassl-4380	99	16	)	)	PUNCT
hassl-4380	99	17	conducted	conduct	VERB
hassl-4380	99	18	on	on	ADP
hassl-4380	99	19	more	more	ADJ
hassl-4380	99	20	than	than	ADP
hassl-4380	99	21	400	400	NUM
hassl-4380	99	22	research	research	NOUN
hassl-4380	99	23	samples	sample	NOUN
hassl-4380	99	24	covering	cover	VERB
hassl-4380	99	25	generations	generation	NOUN
hassl-4380	99	26	proved	prove	VERB
hassl-4380	99	27	that	that	SCONJ
hassl-4380	99	28	fl	fl	PROPN
hassl-4380	99	29	has	have	VERB
hassl-4380	99	30	a	a	DET
hassl-4380	99	31	significant	significant	ADJ
hassl-4380	99	32	impact	impact	NOUN
hassl-4380	99	33	on	on	ADP
hassl-4380	99	34	i	i	PROPN
hassl-4380	99	35	d	d	PROPN
hassl-4380	99	36	,	,	PUNCT
hassl-4380	99	37	and	and	CCONJ
hassl-4380	99	38	this	this	PRON
hassl-4380	99	39	is	be	AUX
hassl-4380	99	40	similar	similar	ADJ
hassl-4380	99	41	to	to	ADP
hassl-4380	99	42	developing	develop	VERB
hassl-4380	99	43	countries	country	NOUN
hassl-4380	99	44	.	.	PUNCT
hassl-4380	100	1	in	in	ADP
hassl-4380	100	2	raut	raut	PROPN
hassl-4380	100	3	(	(	PUNCT
hassl-4380	100	4	2020	2020	NUM
hassl-4380	100	5	)	)	PUNCT
hassl-4380	100	6	,	,	PUNCT
hassl-4380	100	7	research	research	NOUN
hassl-4380	100	8	was	be	AUX
hassl-4380	100	9	conducted	conduct	VERB
hassl-4380	100	10	on	on	ADP
hassl-4380	100	11	fl	fl	PRON
hassl-4380	100	12	and	and	CCONJ
hassl-4380	100	13	the	the	DET
hassl-4380	100	14	decision	decision	NOUN
hassl-4380	100	15	-	-	PUNCT
hassl-4380	100	16	making	make	VERB
hassl-4380	100	17	process	process	NOUN
hassl-4380	100	18	of	of	ADP
hassl-4380	100	19	individual	individual	ADJ
hassl-4380	100	20	investors	investor	NOUN
hassl-4380	100	21	in	in	ADP
hassl-4380	100	22	four	four	NUM
hassl-4380	100	23	different	different	ADJ
hassl-4380	100	24	states	state	NOUN
hassl-4380	100	25	in	in	ADP
hassl-4380	100	26	india	india	PROPN
hassl-4380	100	27	.	.	PUNCT
hassl-4380	101	1	the	the	DET
hassl-4380	101	2	results	result	NOUN
hassl-4380	101	3	showed	show	VERB
hassl-4380	101	4	that	that	SCONJ
hassl-4380	101	5	fl	fl	PROPN
hassl-4380	101	6	has	have	VERB
hassl-4380	101	7	a	a	DET
hassl-4380	101	8	significant	significant	ADJ
hassl-4380	101	9	impact	impact	NOUN
hassl-4380	101	10	on	on	ADP
hassl-4380	101	11	i	i	PROPN
hassl-4380	101	12	d	d	PROPN
hassl-4380	101	13	,	,	PUNCT
hassl-4380	101	14	and	and	CCONJ
hassl-4380	101	15	fl	fl	PROPN
hassl-4380	101	16	can	can	AUX
hassl-4380	101	17	help	help	VERB
hassl-4380	101	18	investors	investor	NOUN
hassl-4380	101	19	reduce	reduce	VERB
hassl-4380	101	20	the	the	DET
hassl-4380	101	21	effects	effect	NOUN
hassl-4380	101	22	of	of	ADP
hassl-4380	101	23	external	external	ADJ
hassl-4380	101	24	factors	factor	NOUN
hassl-4380	101	25	such	such	ADJ
hassl-4380	101	26	as	as	ADP
hassl-4380	101	27	social	social	ADJ
hassl-4380	101	28	pressure	pressure	NOUN
hassl-4380	101	29	(	(	PUNCT
hassl-4380	101	30	raut	raut	NOUN
hassl-4380	101	31	,	,	PUNCT
hassl-4380	101	32	2020	2020	NUM
hassl-4380	101	33	)	)	PUNCT
hassl-4380	101	34	.	.	PUNCT
hassl-4380	102	1	research	research	NOUN
hassl-4380	102	2	by	by	ADP
hassl-4380	102	3	abdeldayem	abdeldayem	NOUN
hassl-4380	102	4	(	(	PUNCT
hassl-4380	102	5	2016	2016	NUM
hassl-4380	102	6	)	)	PUNCT
hassl-4380	102	7	has	have	AUX
hassl-4380	102	8	shown	show	VERB
hassl-4380	102	9	a	a	DET
hassl-4380	102	10	close	close	ADJ
hassl-4380	102	11	relationship	relationship	NOUN
hassl-4380	102	12	between	between	ADP
hassl-4380	102	13	fl	fl	PROPN
hassl-4380	102	14	and	and	CCONJ
hassl-4380	102	15	i	i	PROPN
hassl-4380	102	16	d	d	PROPN
hassl-4380	102	17	,	,	PUNCT
hassl-4380	102	18	indicating	indicate	VERB
hassl-4380	102	19	that	that	SCONJ
hassl-4380	102	20	individuals	individual	NOUN
hassl-4380	102	21	with	with	ADP
hassl-4380	102	22	a	a	DET
hassl-4380	102	23	deep	deep	ADJ
hassl-4380	102	24	understanding	understanding	NOUN
hassl-4380	102	25	of	of	ADP
hassl-4380	102	26	fl	fl	PRON
hassl-4380	102	27	tend	tend	VERB
hassl-4380	102	28	to	to	PART
hassl-4380	102	29	prefer	prefer	VERB
hassl-4380	102	30	investing	invest	VERB
hassl-4380	102	31	in	in	ADP
hassl-4380	102	32	safe	safe	ADJ
hassl-4380	102	33	financial	financial	ADJ
hassl-4380	102	34	products	product	NOUN
hassl-4380	102	35	with	with	ADP
hassl-4380	102	36	low	low	ADJ
hassl-4380	102	37	profits	profit	NOUN
hassl-4380	102	38	,	,	PUNCT
hassl-4380	102	39	while	while	SCONJ
hassl-4380	102	40	those	those	PRON
hassl-4380	102	41	who	who	PRON
hassl-4380	102	42	understand	understand	VERB
hassl-4380	102	43	the	the	DET
hassl-4380	102	44	primary	primary	ADJ
hassl-4380	102	45	use	use	NOUN
hassl-4380	102	46	of	of	ADP
hassl-4380	102	47	resources	resource	NOUN
hassl-4380	102	48	opt	opt	VERB
hassl-4380	102	49	for	for	ADP
hassl-4380	102	50	complex	complex	ADJ
hassl-4380	102	51	financial	financial	ADJ
hassl-4380	102	52	products	product	NOUN
hassl-4380	102	53	that	that	PRON
hassl-4380	102	54	may	may	AUX
hassl-4380	102	55	carry	carry	VERB
hassl-4380	102	56	risks	risk	NOUN
hassl-4380	102	57	but	but	CCONJ
hassl-4380	102	58	offer	offer	VERB
hassl-4380	102	59	higher	high	ADJ
hassl-4380	102	60	potential	potential	ADJ
hassl-4380	102	61	returns	return	NOUN
hassl-4380	102	62	.	.	PUNCT
hassl-4380	103	1	2.3.2	2.3.2	X
hassl-4380	103	2	.	.	PUNCT
hassl-4380	104	1	the	the	DET
hassl-4380	104	2	impact	impact	NOUN
hassl-4380	104	3	of	of	ADP
hassl-4380	104	4	financial	financial	ADJ
hassl-4380	104	5	literacy	literacy	NOUN
hassl-4380	104	6	on	on	ADP
hassl-4380	104	7	saving	save	VERB
hassl-4380	104	8	behavior	behavior	NOUN
hassl-4380	104	9	widyastuti	widyastuti	NOUN
hassl-4380	104	10	,	,	PUNCT
hassl-4380	104	11	suhud	suhud	ADJ
hassl-4380	104	12	,	,	PUNCT
hassl-4380	104	13	and	and	CCONJ
hassl-4380	104	14	sumiati	sumiati	NOUN
hassl-4380	104	15	(	(	PUNCT
hassl-4380	104	16	2016	2016	NUM
hassl-4380	104	17	)	)	PUNCT
hassl-4380	104	18	conducted	conduct	VERB
hassl-4380	104	19	a	a	DET
hassl-4380	104	20	study	study	NOUN
hassl-4380	104	21	examining	examine	VERB
hassl-4380	104	22	the	the	DET
hassl-4380	104	23	impact	impact	NOUN
hassl-4380	104	24	of	of	ADP
hassl-4380	104	25	attitudes	attitude	NOUN
hassl-4380	104	26	,	,	PUNCT
hassl-4380	104	27	subjective	subjective	ADJ
hassl-4380	104	28	norms	norm	NOUN
hassl-4380	104	29	,	,	PUNCT
hassl-4380	104	30	and	and	CCONJ
hassl-4380	104	31	financial	financial	ADJ
hassl-4380	104	32	literacy	literacy	NOUN
hassl-4380	104	33	on	on	ADP
hassl-4380	104	34	the	the	DET
hassl-4380	104	35	savings	saving	NOUN
hassl-4380	104	36	intentions	intention	NOUN
hassl-4380	104	37	and	and	CCONJ
hassl-4380	104	38	behaviors	behavior	NOUN
hassl-4380	104	39	of	of	ADP
hassl-4380	104	40	student	student	NOUN
hassl-4380	104	41	teachers	teacher	NOUN
hassl-4380	104	42	(	(	PUNCT
hassl-4380	104	43	those	those	PRON
hassl-4380	104	44	preparing	prepare	VERB
hassl-4380	104	45	to	to	PART
hassl-4380	104	46	teach	teach	VERB
hassl-4380	104	47	can	can	AUX
hassl-4380	104	48	improve	improve	VERB
hassl-4380	104	49	financial	financial	ADJ
hassl-4380	104	50	literacy	literacy	NOUN
hassl-4380	104	51	)	)	PUNCT
hassl-4380	104	52	at	at	ADP
hassl-4380	104	53	a	a	DET
hassl-4380	104	54	public	public	ADJ
hassl-4380	104	55	university	university	NOUN
hassl-4380	104	56	in	in	ADP
hassl-4380	104	57	jakarta	jakarta	PROPN
hassl-4380	104	58	,	,	PUNCT
hassl-4380	104	59	indonesia	indonesia	PROPN
hassl-4380	104	60	.	.	PUNCT
hassl-4380	105	1	the	the	DET
hassl-4380	105	2	authors	author	NOUN
hassl-4380	105	3	used	use	VERB
hassl-4380	105	4	an	an	DET
hassl-4380	105	5	online	online	ADJ
hassl-4380	105	6	survey	survey	NOUN
hassl-4380	105	7	to	to	PART
hassl-4380	105	8	collect	collect	VERB
hassl-4380	105	9	data	datum	NOUN
hassl-4380	105	10	and	and	CCONJ
hassl-4380	105	11	obtained	obtain	VERB
hassl-4380	105	12	212	212	NUM
hassl-4380	105	13	usable	usable	ADJ
hassl-4380	105	14	responses	response	NOUN
hassl-4380	105	15	.	.	PUNCT
hassl-4380	106	1	in	in	ADP
hassl-4380	106	2	this	this	DET
hassl-4380	106	3	research	research	NOUN
hassl-4380	106	4	,	,	PUNCT
hassl-4380	106	5	the	the	DET
hassl-4380	106	6	measurement	measurement	NOUN
hassl-4380	106	7	model	model	NOUN
hassl-4380	106	8	includes	include	VERB
hassl-4380	106	9	two	two	NUM
hassl-4380	106	10	independent	independent	ADJ
hassl-4380	106	11	variables	variable	NOUN
hassl-4380	106	12	(	(	PUNCT
hassl-4380	106	13	financial	financial	ADJ
hassl-4380	106	14	literacy	literacy	NOUN
hassl-4380	106	15	,	,	PUNCT
hassl-4380	106	16	subjective	subjective	ADJ
hassl-4380	106	17	norms	norm	NOUN
hassl-4380	106	18	)	)	PUNCT
hassl-4380	106	19	,	,	PUNCT
hassl-4380	106	20	one	one	NUM
hassl-4380	106	21	dependent	dependent	ADJ
hassl-4380	106	22	variable	variable	NOUN
hassl-4380	106	23	(	(	PUNCT
hassl-4380	106	24	saving	save	VERB
hassl-4380	106	25	behavior	behavior	NOUN
hassl-4380	106	26	)	)	PUNCT
hassl-4380	106	27	,	,	PUNCT
hassl-4380	106	28	and	and	CCONJ
hassl-4380	106	29	two	two	NUM
hassl-4380	106	30	intermediate	intermediate	ADJ
hassl-4380	106	31	variables	variable	NOUN
hassl-4380	106	32	(	(	PUNCT
hassl-4380	106	33	attitude	attitude	NOUN
hassl-4380	106	34	towards	towards	ADP
hassl-4380	106	35	saving	saving	NOUN
hassl-4380	106	36	,	,	PUNCT
hassl-4380	106	37	intention	intention	NOUN
hassl-4380	106	38	to	to	PART
hassl-4380	106	39	save	save	VERB
hassl-4380	106	40	)	)	PUNCT
hassl-4380	106	41	.	.	PUNCT
hassl-4380	107	1	the	the	DET
hassl-4380	107	2	study	study	NOUN
hassl-4380	107	3	confirms	confirm	VERB
hassl-4380	107	4	the	the	DET
hassl-4380	107	5	interaction	interaction	NOUN
hassl-4380	107	6	between	between	ADP
hassl-4380	107	7	the	the	DET
hassl-4380	107	8	two	two	NUM
hassl-4380	107	9	variables	variable	NOUN
hassl-4380	107	10	,	,	PUNCT
hassl-4380	107	11	financial	financial	ADJ
hassl-4380	107	12	literacy	literacy	NOUN
hassl-4380	107	13	and	and	CCONJ
hassl-4380	107	14	saving	save	VERB
hassl-4380	107	15	behavior	behavior	NOUN
hassl-4380	107	16	,	,	PUNCT
hassl-4380	107	17	demonstrating	demonstrate	VERB
hassl-4380	107	18	that	that	SCONJ
hassl-4380	107	19	financial	financial	ADJ
hassl-4380	107	20	literacy	literacy	NOUN
hassl-4380	107	21	has	have	VERB
hassl-4380	107	22	a	a	DET
hassl-4380	107	23	strong	strong	ADJ
hassl-4380	107	24	influence	influence	NOUN
hassl-4380	107	25	on	on	ADP
hassl-4380	107	26	saving	save	VERB
hassl-4380	107	27	behavior	behavior	NOUN
hassl-4380	107	28	.	.	PUNCT
hassl-4380	108	1	additionally	additionally	ADV
hassl-4380	108	2	,	,	PUNCT
hassl-4380	108	3	saving	save	VERB
hassl-4380	108	4	behavior	behavior	NOUN
hassl-4380	108	5	is	be	AUX
hassl-4380	108	6	influenced	influence	VERB
hassl-4380	108	7	by	by	ADP
hassl-4380	108	8	savings	saving	NOUN
hassl-4380	108	9	intention	intention	NOUN
hassl-4380	108	10	and	and	CCONJ
hassl-4380	108	11	subjective	subjective	ADJ
hassl-4380	108	12	norms	norm	NOUN
hassl-4380	108	13	.	.	PUNCT
hassl-4380	109	1	furthermore	furthermore	ADV
hassl-4380	109	2	,	,	PUNCT
hassl-4380	109	3	the	the	DET
hassl-4380	109	4	results	result	NOUN
hassl-4380	109	5	show	show	VERB
hassl-4380	109	6	that	that	SCONJ
hassl-4380	109	7	financial	financial	ADJ
hassl-4380	109	8	literacy	literacy	NOUN
hassl-4380	109	9	,	,	PUNCT
hassl-4380	109	10	attitude	attitude	NOUN
hassl-4380	109	11	,	,	PUNCT
hassl-4380	109	12	and	and	CCONJ
hassl-4380	109	13	subjective	subjective	ADJ
hassl-4380	109	14	norms	norm	NOUN
hassl-4380	109	15	impact	impact	NOUN
hassl-4380	109	16	savings	saving	NOUN
hassl-4380	109	17	intention	intention	NOUN
hassl-4380	109	18	.	.	PUNCT
hassl-4380	110	1	the	the	DET
hassl-4380	110	2	research	research	NOUN
hassl-4380	110	3	paper	paper	NOUN
hassl-4380	110	4	by	by	ADP
hassl-4380	110	5	ariffin	ariffin	PROPN
hassl-4380	110	6	,	,	PUNCT
hassl-4380	110	7	sulong	sulong	NOUN
hassl-4380	110	8	,	,	PUNCT
hassl-4380	110	9	and	and	CCONJ
hassl-4380	110	10	abdullah	abdullah	PROPN
hassl-4380	110	11	(	(	PUNCT
hassl-4380	110	12	2017	2017	NUM
hassl-4380	110	13	)	)	PUNCT
hassl-4380	110	14	collected	collect	VERB
hassl-4380	110	15	data	datum	NOUN
hassl-4380	110	16	from	from	ADP
hassl-4380	110	17	192	192	NUM
hassl-4380	110	18	business	business	NOUN
hassl-4380	110	19	administration	administration	NOUN
hassl-4380	110	20	students	student	NOUN
hassl-4380	110	21	at	at	ADP
hassl-4380	110	22	universiti	universiti	PROPN
hassl-4380	110	23	putra	putra	PROPN
hassl-4380	110	24	malaysia	malaysia	PROPN
hassl-4380	110	25	through	through	ADP
hassl-4380	110	26	questionnaires	questionnaire	NOUN
hassl-4380	110	27	to	to	PART
hassl-4380	110	28	determine	determine	VERB
hassl-4380	110	29	the	the	DET
hassl-4380	110	30	influencing	influence	VERB
hassl-4380	110	31	factors	factor	NOUN
hassl-4380	110	32	of	of	ADP
hassl-4380	110	33	students	student	NOUN
hassl-4380	110	34	'	'	PART
hassl-4380	110	35	fl	fl	NOUN
hassl-4380	110	36	.	.	PUNCT
hassl-4380	111	1	in	in	ADP
hassl-4380	111	2	particular	particular	ADJ
hassl-4380	111	3	,	,	PUNCT
hassl-4380	111	4	the	the	DET
hassl-4380	111	5	average	average	ADJ
hassl-4380	111	6	fl	fl	NUM
hassl-4380	111	7	score	score	NOUN
hassl-4380	111	8	of	of	ADP
hassl-4380	111	9	the	the	DET
hassl-4380	111	10	participants	participant	NOUN
hassl-4380	111	11	in	in	ADP
hassl-4380	111	12	this	this	DET
hassl-4380	111	13	study	study	NOUN
hassl-4380	111	14	was	be	AUX
hassl-4380	111	15	assessed	assess	VERB
hassl-4380	111	16	at	at	ADP
hassl-4380	111	17	a	a	DET
hassl-4380	111	18	moderate	moderate	ADJ
hassl-4380	111	19	level	level	NOUN
hassl-4380	111	20	.	.	PUNCT
hassl-4380	112	1	the	the	DET
hassl-4380	112	2	author	author	NOUN
hassl-4380	112	3	used	use	VERB
hassl-4380	112	4	three	three	NUM
hassl-4380	112	5	independent	independent	ADJ
hassl-4380	112	6	variables	variable	NOUN
hassl-4380	112	7	:	:	PUNCT
hassl-4380	112	8	sb	sb	NOUN
hassl-4380	112	9	,	,	PUNCT
hassl-4380	112	10	parental	parental	ADJ
hassl-4380	112	11	socialization	socialization	NOUN
hassl-4380	112	12	,	,	PUNCT
hassl-4380	112	13	and	and	CCONJ
hassl-4380	112	14	self	self	NOUN
hassl-4380	112	15	-	-	PUNCT
hassl-4380	112	16	control	control	NOUN
hassl-4380	112	17	to	to	PART
hassl-4380	112	18	evaluate	evaluate	VERB
hassl-4380	112	19	behavior	behavior	NOUN
hassl-4380	112	20	,	,	PUNCT
hassl-4380	112	21	with	with	ADP
hassl-4380	112	22	one	one	NUM
hassl-4380	112	23	dependent	dependent	ADJ
hassl-4380	112	24	variable	variable	NOUN
hassl-4380	112	25	:	:	PUNCT
hassl-4380	112	26	fl	fl	X
hassl-4380	112	27	.	.	PUNCT
hassl-4380	113	1	the	the	DET
hassl-4380	113	2	author	author	NOUN
hassl-4380	113	3	employed	employ	VERB
hassl-4380	113	4	a	a	DET
hassl-4380	113	5	two	two	NUM
hassl-4380	113	6	-	-	PUNCT
hassl-4380	113	7	sample	sample	NOUN
hassl-4380	113	8	t	t	NOUN
hassl-4380	113	9	-	-	PUNCT
hassl-4380	113	10	test	test	NOUN
hassl-4380	113	11	,	,	PUNCT
hassl-4380	113	12	correlation	correlation	NOUN
hassl-4380	113	13	test	test	NOUN
hassl-4380	113	14	,	,	PUNCT
hassl-4380	113	15	and	and	CCONJ
hassl-4380	113	16	regression	regression	VERB
hassl-4380	113	17	analysis	analysis	NOUN
hassl-4380	113	18	,	,	PUNCT
hassl-4380	113	19	with	with	ADP
hassl-4380	113	20	samples	sample	NOUN
hassl-4380	113	21	taken	take	VERB
hassl-4380	113	22	from	from	ADP
hassl-4380	113	23	first	first	ADJ
hassl-4380	113	24	-	-	PUNCT
hassl-4380	113	25	year	year	NOUN
hassl-4380	113	26	students	student	NOUN
hassl-4380	113	27	to	to	PART
hassl-4380	113	28	evaluate	evaluate	VERB
hassl-4380	113	29	the	the	DET
hassl-4380	113	30	relationships	relationship	NOUN
hassl-4380	113	31	between	between	ADP
hassl-4380	113	32	variables	variable	NOUN
hassl-4380	113	33	.	.	PUNCT
hassl-4380	114	1	the	the	DET
hassl-4380	114	2	findings	finding	NOUN
hassl-4380	114	3	indicated	indicate	VERB
hassl-4380	114	4	that	that	SCONJ
hassl-4380	114	5	sb	sb	NOUN
hassl-4380	114	6	,	,	PUNCT
hassl-4380	114	7	parental	parental	ADJ
hassl-4380	114	8	socialization	socialization	NOUN
hassl-4380	114	9	,	,	PUNCT
hassl-4380	114	10	and	and	CCONJ
hassl-4380	114	11	peer	peer	NOUN
hassl-4380	114	12	influence	influence	NOUN
hassl-4380	114	13	were	be	AUX
hassl-4380	114	14	positively	positively	ADV
hassl-4380	114	15	correlated	correlate	VERB
hassl-4380	114	16	with	with	ADP
hassl-4380	114	17	fl	fl	PROPN
hassl-4380	114	18	.	.	PROPN
hassl-4380	114	19	2.3.3	2.3.3	NUM
hassl-4380	114	20	.	.	PUNCT
hassl-4380	115	1	the	the	DET
hassl-4380	115	2	impact	impact	NOUN
hassl-4380	115	3	of	of	ADP
hassl-4380	115	4	financial	financial	ADJ
hassl-4380	115	5	literacy	literacy	NOUN
hassl-4380	115	6	on	on	ADP
hassl-4380	115	7	consumption	consumption	NOUN
hassl-4380	115	8	behavior	behavior	NOUN
hassl-4380	115	9	fariana	fariana	PROPN
hassl-4380	115	10	,	,	PUNCT
hassl-4380	115	11	surindra	surindra	PROPN
hassl-4380	115	12	,	,	PUNCT
hassl-4380	115	13	and	and	CCONJ
hassl-4380	115	14	arifin	arifin	PROPN
hassl-4380	115	15	(	(	PUNCT
hassl-4380	115	16	2021	2021	NUM
hassl-4380	115	17	)	)	PUNCT
hassl-4380	115	18	indicated	indicate	VERB
hassl-4380	115	19	that	that	SCONJ
hassl-4380	115	20	students	student	NOUN
hassl-4380	115	21	studying	study	VERB
hassl-4380	115	22	economic	economic	ADJ
hassl-4380	115	23	education	education	NOUN
hassl-4380	115	24	at	at	ADP
hassl-4380	115	25	unp	unp	PROPN
hassl-4380	115	26	kediri	kediri	PROPN
hassl-4380	115	27	were	be	AUX
hassl-4380	115	28	selected	select	VERB
hassl-4380	115	29	to	to	PART
hassl-4380	115	30	observe	observe	VERB
hassl-4380	115	31	the	the	DET
hassl-4380	115	32	impact	impact	NOUN
hassl-4380	115	33	of	of	ADP
hassl-4380	115	34	fl	fl	PROPN
hassl-4380	115	35	on	on	ADP
hassl-4380	115	36	cb	cb	PROPN
hassl-4380	115	37	.	.	PUNCT
hassl-4380	116	1	the	the	DET
hassl-4380	116	2	study	study	NOUN
hassl-4380	116	3	employed	employ	VERB
hassl-4380	116	4	quantitative	quantitative	ADJ
hassl-4380	116	5	methods	method	NOUN
hassl-4380	116	6	with	with	ADP
hassl-4380	116	7	46	46	NUM
hassl-4380	116	8	students	student	NOUN
hassl-4380	116	9	using	use	VERB
hassl-4380	116	10	purposive	purposive	ADJ
hassl-4380	116	11	sampling	sampling	NOUN
hassl-4380	116	12	.	.	PUNCT
hassl-4380	117	1	the	the	DET
hassl-4380	117	2	three	three	NUM
hassl-4380	117	3	independent	independent	ADJ
hassl-4380	117	4	variables	variable	NOUN
hassl-4380	117	5	examined	examine	VERB
hassl-4380	117	6	were	be	AUX
hassl-4380	117	7	fl	fl	PRON
hassl-4380	117	8	,	,	PUNCT
hassl-4380	117	9	lifestyle	lifestyle	NOUN
hassl-4380	117	10	,	,	PUNCT
hassl-4380	117	11	and	and	CCONJ
hassl-4380	117	12	self	self	NOUN
hassl-4380	117	13	-	-	PUNCT
hassl-4380	117	14	control	control	NOUN
hassl-4380	117	15	,	,	PUNCT
hassl-4380	117	16	to	to	PART
hassl-4380	117	17	assess	assess	VERB
hassl-4380	117	18	their	their	PRON
hassl-4380	117	19	impact	impact	NOUN
hassl-4380	117	20	on	on	ADP
hassl-4380	117	21	the	the	DET
hassl-4380	117	22	dependent	dependent	ADJ
hassl-4380	117	23	variable	variable	NOUN
hassl-4380	117	24	cb	cb	PROPN
hassl-4380	117	25	.	.	PUNCT
hassl-4380	117	26	using	use	VERB
hassl-4380	117	27	descriptive	descriptive	ADJ
hassl-4380	117	28	research	research	NOUN
hassl-4380	117	29	techniques	technique	NOUN
hassl-4380	117	30	and	and	CCONJ
hassl-4380	117	31	multiple	multiple	ADJ
hassl-4380	117	32	linear	linear	ADJ
hassl-4380	117	33	regression	regression	NOUN
hassl-4380	117	34	analysis	analysis	NOUN
hassl-4380	117	35	,	,	PUNCT
hassl-4380	117	36	the	the	DET
hassl-4380	117	37	results	result	NOUN
hassl-4380	117	38	demonstrated	demonstrate	VERB
hassl-4380	117	39	a	a	DET
hassl-4380	117	40	significant	significant	ADJ
hassl-4380	117	41	impact	impact	NOUN
hassl-4380	117	42	of	of	ADP
hassl-4380	117	43	the	the	DET
hassl-4380	117	44	three	three	NUM
hassl-4380	117	45	dimensions	dimension	NOUN
hassl-4380	117	46	of	of	ADP
hassl-4380	117	47	cb	cb	PROPN
hassl-4380	117	48	.	.	PROPN
hassl-4380	118	1	additionally	additionally	ADV
hassl-4380	118	2	,	,	PUNCT
hassl-4380	118	3	barbić	barbić	NOUN
hassl-4380	118	4	,	,	PUNCT
hassl-4380	118	5	lučić	lučić	ADJ
hassl-4380	118	6	,	,	PUNCT
hassl-4380	118	7	and	and	CCONJ
hassl-4380	118	8	chen	chen	PROPN
hassl-4380	118	9	humanities	humanities	PROPN
hassl-4380	118	10	and	and	CCONJ
hassl-4380	118	11	social	social	ADJ
hassl-4380	118	12	sciences	science	NOUN
hassl-4380	118	13	letters	letter	NOUN
hassl-4380	118	14	,	,	PUNCT
hassl-4380	118	15	2025	2025	NUM
hassl-4380	118	16	,	,	PUNCT
hassl-4380	118	17	13(3	13(3	NUM
hassl-4380	118	18	):	):	PUNCT
hassl-4380	118	19	1037	1037	NUM
hassl-4380	118	20	-	-	SYM
hassl-4380	118	21	1052	1052	NUM
hassl-4380	118	22	1041	1041	NUM
hassl-4380	118	23	©	©	PROPN
hassl-4380	118	24	2025	2025	NUM
hassl-4380	118	25	conscientia	conscientia	PROPN
hassl-4380	118	26	beam	beam	PROPN
hassl-4380	118	27	.	.	PUNCT
hassl-4380	119	1	all	all	DET
hassl-4380	119	2	rights	right	NOUN
hassl-4380	119	3	reserved	reserve	VERB
hassl-4380	119	4	.	.	PUNCT
hassl-4380	120	1	(	(	PUNCT
hassl-4380	120	2	2019	2019	NUM
hassl-4380	120	3	)	)	PUNCT
hassl-4380	120	4	also	also	ADV
hassl-4380	120	5	reported	report	VERB
hassl-4380	120	6	similar	similar	ADJ
hassl-4380	120	7	findings	finding	NOUN
hassl-4380	120	8	regarding	regard	VERB
hassl-4380	120	9	the	the	DET
hassl-4380	120	10	strong	strong	ADJ
hassl-4380	120	11	relationship	relationship	NOUN
hassl-4380	120	12	between	between	ADP
hassl-4380	120	13	fl	fl	PROPN
hassl-4380	120	14	and	and	CCONJ
hassl-4380	120	15	cb	cb	PROPN
hassl-4380	120	16	in	in	ADP
hassl-4380	120	17	a	a	DET
hassl-4380	120	18	study	study	NOUN
hassl-4380	120	19	conducted	conduct	VERB
hassl-4380	120	20	in	in	ADP
hassl-4380	120	21	croatia	croatia	PROPN
hassl-4380	120	22	with	with	ADP
hassl-4380	120	23	participants	participant	NOUN
hassl-4380	120	24	aged	age	VERB
hassl-4380	120	25	20	20	NUM
hassl-4380	120	26	-	-	SYM
hassl-4380	120	27	79	79	NUM
hassl-4380	120	28	.	.	PUNCT
hassl-4380	121	1	jappelli	jappelli	PROPN
hassl-4380	121	2	and	and	CCONJ
hassl-4380	121	3	padula	padula	NOUN
hassl-4380	121	4	(	(	PUNCT
hassl-4380	121	5	2013	2013	NUM
hassl-4380	121	6	)	)	PUNCT
hassl-4380	121	7	studied	study	VERB
hassl-4380	121	8	financial	financial	ADJ
hassl-4380	121	9	complexity	complexity	NOUN
hassl-4380	121	10	and	and	CCONJ
hassl-4380	121	11	the	the	DET
hassl-4380	121	12	impact	impact	NOUN
hassl-4380	121	13	of	of	ADP
hassl-4380	121	14	financial	financial	ADJ
hassl-4380	121	15	literacy	literacy	NOUN
hassl-4380	121	16	on	on	ADP
hassl-4380	121	17	consumption	consumption	NOUN
hassl-4380	121	18	growth	growth	NOUN
hassl-4380	121	19	.	.	PUNCT
hassl-4380	122	1	this	this	DET
hassl-4380	122	2	study	study	NOUN
hassl-4380	122	3	is	be	AUX
hassl-4380	122	4	conducted	conduct	VERB
hassl-4380	122	5	by	by	ADP
hassl-4380	122	6	the	the	DET
hassl-4380	122	7	bank	bank	PROPN
hassl-4380	122	8	of	of	ADP
hassl-4380	122	9	italy	italy	PROPN
hassl-4380	122	10	every	every	DET
hassl-4380	122	11	two	two	NUM
hassl-4380	122	12	years	year	NOUN
hassl-4380	122	13	using	use	VERB
hassl-4380	122	14	a	a	DET
hassl-4380	122	15	representative	representative	ADJ
hassl-4380	122	16	sample	sample	NOUN
hassl-4380	122	17	from	from	ADP
hassl-4380	122	18	the	the	DET
hassl-4380	122	19	survey	survey	NOUN
hassl-4380	122	20	of	of	ADP
hassl-4380	122	21	household	household	NOUN
hassl-4380	122	22	income	income	NOUN
hassl-4380	122	23	and	and	CCONJ
hassl-4380	122	24	wealth	wealth	NOUN
hassl-4380	122	25	(	(	PUNCT
hassl-4380	122	26	shiw	shiw	NOUN
hassl-4380	122	27	)	)	PUNCT
hassl-4380	122	28	,	,	PUNCT
hassl-4380	122	29	covering	cover	VERB
hassl-4380	122	30	8,000	8,000	NUM
hassl-4380	122	31	households	household	NOUN
hassl-4380	122	32	and	and	CCONJ
hassl-4380	122	33	24,000	24,000	NUM
hassl-4380	122	34	individuals	individual	NOUN
hassl-4380	122	35	.	.	PUNCT
hassl-4380	123	1	the	the	DET
hassl-4380	123	2	research	research	NOUN
hassl-4380	123	3	model	model	NOUN
hassl-4380	123	4	shows	show	VERB
hassl-4380	123	5	that	that	SCONJ
hassl-4380	123	6	consumption	consumption	NOUN
hassl-4380	123	7	growth	growth	NOUN
hassl-4380	123	8	is	be	AUX
hassl-4380	123	9	positively	positively	ADV
hassl-4380	123	10	associated	associate	VERB
hassl-4380	123	11	with	with	ADP
hassl-4380	123	12	financial	financial	ADJ
hassl-4380	123	13	sophistication	sophistication	NOUN
hassl-4380	123	14	and	and	CCONJ
hassl-4380	123	15	financial	financial	ADJ
hassl-4380	123	16	literacy	literacy	NOUN
hassl-4380	123	17	.	.	PUNCT
hassl-4380	124	1	another	another	DET
hassl-4380	124	2	study	study	NOUN
hassl-4380	124	3	by	by	ADP
hassl-4380	124	4	hafid	hafid	PROPN
hassl-4380	124	5	et	et	PROPN
hassl-4380	124	6	al	al	PROPN
hassl-4380	124	7	.	.	PROPN
hassl-4380	124	8	(	(	PUNCT
hassl-4380	124	9	2021	2021	NUM
hassl-4380	124	10	)	)	PUNCT
hassl-4380	124	11	was	be	AUX
hassl-4380	124	12	conducted	conduct	VERB
hassl-4380	124	13	with	with	ADP
hassl-4380	124	14	the	the	DET
hassl-4380	124	15	purpose	purpose	NOUN
hassl-4380	124	16	of	of	ADP
hassl-4380	124	17	evaluating	evaluate	VERB
hassl-4380	124	18	the	the	DET
hassl-4380	124	19	impact	impact	NOUN
hassl-4380	124	20	of	of	ADP
hassl-4380	124	21	economic	economic	ADJ
hassl-4380	124	22	education	education	NOUN
hassl-4380	124	23	in	in	ADP
hassl-4380	124	24	families	family	NOUN
hassl-4380	124	25	on	on	ADP
hassl-4380	124	26	cb	cb	PROPN
hassl-4380	124	27	through	through	ADP
hassl-4380	124	28	fl	fl	PROPN
hassl-4380	124	29	in	in	ADP
hassl-4380	124	30	fishermen	fisherman	NOUN
hassl-4380	124	31	.	.	PUNCT
hassl-4380	125	1	the	the	DET
hassl-4380	125	2	research	research	NOUN
hassl-4380	125	3	results	result	NOUN
hassl-4380	125	4	aim	aim	VERB
hassl-4380	125	5	to	to	PART
hassl-4380	125	6	demonstrate	demonstrate	VERB
hassl-4380	125	7	that	that	SCONJ
hassl-4380	125	8	economic	economic	ADJ
hassl-4380	125	9	education	education	NOUN
hassl-4380	125	10	in	in	ADP
hassl-4380	125	11	families	family	NOUN
hassl-4380	125	12	has	have	VERB
hassl-4380	125	13	a	a	DET
hassl-4380	125	14	positive	positive	ADJ
hassl-4380	125	15	impact	impact	NOUN
hassl-4380	125	16	on	on	ADP
hassl-4380	125	17	cb	cb	PROPN
hassl-4380	125	18	through	through	ADP
hassl-4380	125	19	fl	fl	PROPN
hassl-4380	125	20	in	in	ADP
hassl-4380	125	21	the	the	DET
hassl-4380	125	22	fishing	fishing	NOUN
hassl-4380	125	23	community	community	NOUN
hassl-4380	125	24	.	.	PUNCT
hassl-4380	126	1	2.4	2.4	NUM
hassl-4380	126	2	.	.	PUNCT
hassl-4380	126	3	research	research	NOUN
hassl-4380	126	4	model	model	NOUN
hassl-4380	126	5	based	base	VERB
hassl-4380	126	6	on	on	ADP
hassl-4380	126	7	the	the	DET
hassl-4380	126	8	above	above	PROPN
hassl-4380	126	9	literature	literature	PROPN
hassl-4380	126	10	review	review	PROPN
hassl-4380	126	11	,	,	PUNCT
hassl-4380	126	12	the	the	DET
hassl-4380	126	13	proposed	propose	VERB
hassl-4380	126	14	hypotheses	hypothesis	NOUN
hassl-4380	126	15	include	include	VERB
hassl-4380	126	16	.	.	PUNCT
hassl-4380	127	1	hypothesis	hypothesis	NOUN
hassl-4380	127	2	1	1	NUM
hassl-4380	127	3	:	:	PUNCT
hassl-4380	127	4	fl	fl	PROPN
hassl-4380	127	5	has	have	VERB
hassl-4380	127	6	a	a	DET
hassl-4380	127	7	positive	positive	ADJ
hassl-4380	127	8	impact	impact	NOUN
hassl-4380	127	9	on	on	ADP
hassl-4380	127	10	the	the	DET
hassl-4380	127	11	identity	identity	NOUN
hassl-4380	127	12	of	of	ADP
hassl-4380	127	13	university	university	NOUN
hassl-4380	127	14	students	student	NOUN
hassl-4380	127	15	in	in	ADP
hassl-4380	127	16	hanoi	hanoi	PROPN
hassl-4380	127	17	city	city	PROPN
hassl-4380	127	18	.	.	PUNCT
hassl-4380	128	1	hypothesis	hypothesis	NOUN
hassl-4380	128	2	2	2	NUM
hassl-4380	128	3	:	:	PUNCT
hassl-4380	128	4	fl	fl	PROPN
hassl-4380	128	5	has	have	VERB
hassl-4380	128	6	a	a	DET
hassl-4380	128	7	positive	positive	ADJ
hassl-4380	128	8	impact	impact	NOUN
hassl-4380	128	9	on	on	ADP
hassl-4380	128	10	the	the	DET
hassl-4380	128	11	sb	sb	PROPN
hassl-4380	128	12	of	of	ADP
hassl-4380	128	13	university	university	NOUN
hassl-4380	128	14	students	student	NOUN
hassl-4380	128	15	in	in	ADP
hassl-4380	128	16	hanoi	hanoi	PROPN
hassl-4380	128	17	city	city	PROPN
hassl-4380	128	18	.	.	PUNCT
hassl-4380	129	1	hypothesis	hypothesis	NOUN
hassl-4380	129	2	3	3	NUM
hassl-4380	129	3	:	:	PUNCT
hassl-4380	129	4	fl	fl	PROPN
hassl-4380	129	5	has	have	VERB
hassl-4380	129	6	a	a	DET
hassl-4380	129	7	positive	positive	ADJ
hassl-4380	129	8	impact	impact	NOUN
hassl-4380	129	9	on	on	ADP
hassl-4380	129	10	the	the	DET
hassl-4380	129	11	cb	cb	PROPN
hassl-4380	129	12	of	of	ADP
hassl-4380	129	13	university	university	NOUN
hassl-4380	129	14	students	student	NOUN
hassl-4380	129	15	in	in	ADP
hassl-4380	129	16	hanoi	hanoi	PROPN
hassl-4380	129	17	city	city	PROPN
hassl-4380	129	18	.	.	PUNCT
hassl-4380	130	1	therefore	therefore	ADV
hassl-4380	130	2	,	,	PUNCT
hassl-4380	130	3	the	the	DET
hassl-4380	130	4	research	research	NOUN
hassl-4380	130	5	model	model	NOUN
hassl-4380	130	6	with	with	ADP
hassl-4380	130	7	hypotheses	hypothesis	NOUN
hassl-4380	130	8	is	be	AUX
hassl-4380	130	9	shown	show	VERB
hassl-4380	130	10	as	as	SCONJ
hassl-4380	130	11	follows	follow	VERB
hassl-4380	130	12	:	:	PUNCT
hassl-4380	130	13	figure	figure	NOUN
hassl-4380	130	14	1	1	NUM
hassl-4380	130	15	.	.	PUNCT
hassl-4380	130	16	research	research	NOUN
hassl-4380	130	17	model	model	NOUN
hassl-4380	130	18	with	with	ADP
hassl-4380	130	19	hypotheses	hypothesis	NOUN
hassl-4380	130	20	.	.	PUNCT
hassl-4380	131	1	figure	figure	NOUN
hassl-4380	131	2	1	1	NUM
hassl-4380	131	3	illustrates	illustrate	VERB
hassl-4380	131	4	the	the	DET
hassl-4380	131	5	proposed	propose	VERB
hassl-4380	131	6	research	research	NOUN
hassl-4380	131	7	model	model	NOUN
hassl-4380	131	8	,	,	PUNCT
hassl-4380	131	9	which	which	PRON
hassl-4380	131	10	depicts	depict	VERB
hassl-4380	131	11	the	the	DET
hassl-4380	131	12	hypothesized	hypothesized	ADJ
hassl-4380	131	13	relationships	relationship	NOUN
hassl-4380	131	14	between	between	ADP
hassl-4380	131	15	financial	financial	ADJ
hassl-4380	131	16	literacy	literacy	NOUN
hassl-4380	131	17	and	and	CCONJ
hassl-4380	131	18	three	three	NUM
hassl-4380	131	19	dimensions	dimension	NOUN
hassl-4380	131	20	of	of	ADP
hassl-4380	131	21	financial	financial	ADJ
hassl-4380	131	22	behavior	behavior	NOUN
hassl-4380	131	23	:	:	PUNCT
hassl-4380	131	24	investment	investment	NOUN
hassl-4380	131	25	decisions	decision	NOUN
hassl-4380	131	26	,	,	PUNCT
hassl-4380	131	27	saving	save	VERB
hassl-4380	131	28	behavior	behavior	NOUN
hassl-4380	131	29	,	,	PUNCT
hassl-4380	131	30	and	and	CCONJ
hassl-4380	131	31	consumption	consumption	NOUN
hassl-4380	131	32	behavior	behavior	NOUN
hassl-4380	131	33	.	.	PUNCT
hassl-4380	132	1	3	3	X
hassl-4380	132	2	.	.	X
hassl-4380	132	3	methodology	methodology	NOUN
hassl-4380	132	4	and	and	CCONJ
hassl-4380	132	5	data	datum	NOUN
hassl-4380	132	6	3.1	3.1	NUM
hassl-4380	132	7	.	.	PUNCT
hassl-4380	132	8	methodology	methodology	NOUN
hassl-4380	132	9	and	and	CCONJ
hassl-4380	132	10	sample	sample	VERB
hassl-4380	132	11	the	the	DET
hassl-4380	132	12	study	study	NOUN
hassl-4380	132	13	employs	employ	VERB
hassl-4380	132	14	quantitative	quantitative	ADJ
hassl-4380	132	15	methods	method	NOUN
hassl-4380	132	16	to	to	PART
hassl-4380	132	17	comprehensively	comprehensively	ADV
hassl-4380	132	18	evaluate	evaluate	VERB
hassl-4380	132	19	the	the	DET
hassl-4380	132	20	impact	impact	NOUN
hassl-4380	132	21	of	of	ADP
hassl-4380	132	22	financial	financial	ADJ
hassl-4380	132	23	literacy	literacy	NOUN
hassl-4380	132	24	on	on	ADP
hassl-4380	132	25	financial	financial	ADJ
hassl-4380	132	26	behavior	behavior	NOUN
hassl-4380	132	27	,	,	PUNCT
hassl-4380	132	28	including	include	VERB
hassl-4380	132	29	financial	financial	ADJ
hassl-4380	132	30	access	access	NOUN
hassl-4380	132	31	,	,	PUNCT
hassl-4380	132	32	savings	saving	NOUN
hassl-4380	132	33	behavior	behavior	NOUN
hassl-4380	132	34	,	,	PUNCT
hassl-4380	132	35	and	and	CCONJ
hassl-4380	132	36	consumption	consumption	NOUN
hassl-4380	132	37	behavior	behavior	NOUN
hassl-4380	132	38	among	among	ADP
hassl-4380	132	39	university	university	NOUN
hassl-4380	132	40	students	student	NOUN
hassl-4380	132	41	in	in	ADP
hassl-4380	132	42	hanoi	hanoi	PROPN
hassl-4380	132	43	city	city	PROPN
hassl-4380	132	44	.	.	PUNCT
hassl-4380	133	1	through	through	ADP
hassl-4380	133	2	conducting	conduct	VERB
hassl-4380	133	3	surveys	survey	NOUN
hassl-4380	133	4	and	and	CCONJ
hassl-4380	133	5	statistical	statistical	ADJ
hassl-4380	133	6	analysis	analysis	NOUN
hassl-4380	133	7	,	,	PUNCT
hassl-4380	133	8	this	this	DET
hassl-4380	133	9	study	study	NOUN
hassl-4380	133	10	aims	aim	VERB
hassl-4380	133	11	to	to	PART
hassl-4380	133	12	quantify	quantify	VERB
hassl-4380	133	13	the	the	DET
hassl-4380	133	14	level	level	NOUN
hassl-4380	133	15	of	of	ADP
hassl-4380	133	16	financial	financial	ADJ
hassl-4380	133	17	access	access	NOUN
hassl-4380	133	18	,	,	PUNCT
hassl-4380	133	19	measure	measure	VERB
hassl-4380	133	20	the	the	DET
hassl-4380	133	21	level	level	NOUN
hassl-4380	133	22	of	of	ADP
hassl-4380	133	23	financial	financial	ADJ
hassl-4380	133	24	literacy	literacy	NOUN
hassl-4380	133	25	,	,	PUNCT
hassl-4380	133	26	and	and	CCONJ
hassl-4380	133	27	analyze	analyze	VERB
hassl-4380	133	28	students	student	NOUN
hassl-4380	133	29	'	'	PART
hassl-4380	133	30	financial	financial	ADJ
hassl-4380	133	31	behaviors	behavior	NOUN
hassl-4380	133	32	.	.	PUNCT
hassl-4380	134	1	in	in	ADP
hassl-4380	134	2	this	this	DET
hassl-4380	134	3	research	research	NOUN
hassl-4380	134	4	,	,	PUNCT
hassl-4380	134	5	quantitative	quantitative	ADJ
hassl-4380	134	6	variables	variable	NOUN
hassl-4380	134	7	were	be	AUX
hassl-4380	134	8	used	use	VERB
hassl-4380	134	9	to	to	PART
hassl-4380	134	10	clarify	clarify	VERB
hassl-4380	134	11	the	the	DET
hassl-4380	134	12	impact	impact	NOUN
hassl-4380	134	13	of	of	ADP
hassl-4380	134	14	fl	fl	NUM
hassl-4380	134	15	on	on	ADP
hassl-4380	134	16	the	the	DET
hassl-4380	134	17	fb	fb	NOUN
hassl-4380	134	18	of	of	ADP
hassl-4380	134	19	university	university	NOUN
hassl-4380	134	20	students	student	NOUN
hassl-4380	134	21	in	in	ADP
hassl-4380	134	22	hanoi	hanoi	PROPN
hassl-4380	134	23	city	city	NOUN
hassl-4380	134	24	.	.	PUNCT
hassl-4380	135	1	in	in	ADP
hassl-4380	135	2	this	this	DET
hassl-4380	135	3	study	study	NOUN
hassl-4380	135	4	,	,	PUNCT
hassl-4380	135	5	two	two	NUM
hassl-4380	135	6	types	type	NOUN
hassl-4380	135	7	of	of	ADP
hassl-4380	135	8	variables	variable	NOUN
hassl-4380	135	9	are	be	AUX
hassl-4380	135	10	used	use	VERB
hassl-4380	135	11	,	,	PUNCT
hassl-4380	135	12	including	include	VERB
hassl-4380	135	13	one	one	NUM
hassl-4380	135	14	independent	independent	ADJ
hassl-4380	135	15	variable	variable	NOUN
hassl-4380	135	16	(	(	PUNCT
hassl-4380	135	17	fl	fl	NOUN
hassl-4380	135	18	)	)	PUNCT
hassl-4380	135	19	and	and	CCONJ
hassl-4380	135	20	three	three	NUM
hassl-4380	135	21	dependent	dependent	ADJ
hassl-4380	135	22	variables	variable	NOUN
hassl-4380	135	23	(	(	PUNCT
hassl-4380	135	24	i	i	PROPN
hassl-4380	135	25	d	d	PROPN
hassl-4380	135	26	,	,	PUNCT
hassl-4380	135	27	sb	sb	PROPN
hassl-4380	135	28	,	,	PUNCT
hassl-4380	135	29	and	and	CCONJ
hassl-4380	135	30	cb	cb	PROPN
hassl-4380	135	31	)	)	PUNCT
hassl-4380	135	32	,	,	PUNCT
hassl-4380	135	33	which	which	PRON
hassl-4380	135	34	are	be	AUX
hassl-4380	135	35	shown	show	VERB
hassl-4380	135	36	in	in	ADP
hassl-4380	135	37	table	table	NOUN
hassl-4380	135	38	1	1	NUM
hassl-4380	135	39	below	below	ADV
hassl-4380	135	40	:	:	PUNCT
hassl-4380	135	41	table	table	NOUN
hassl-4380	135	42	1	1	NUM
hassl-4380	135	43	.	.	PUNCT
hassl-4380	136	1	variables	variable	NOUN
hassl-4380	136	2	used	use	VERB
hassl-4380	136	3	in	in	ADP
hassl-4380	136	4	the	the	DET
hassl-4380	136	5	research	research	NOUN
hassl-4380	136	6	.	.	PUNCT
hassl-4380	137	1	classify	classify	VERB
hassl-4380	137	2	variables	variable	NOUN
hassl-4380	137	3	description	description	NOUN
hassl-4380	137	4	code	code	VERB
hassl-4380	137	5	dependent	dependent	ADJ
hassl-4380	137	6	variable	variable	ADJ
hassl-4380	137	7	financial	financial	ADJ
hassl-4380	137	8	behaviors	behavior	NOUN
hassl-4380	137	9	investment	investment	NOUN
hassl-4380	137	10	decisions	decision	NOUN
hassl-4380	137	11	of	of	ADP
hassl-4380	137	12	university	university	NOUN
hassl-4380	137	13	students	student	NOUN
hassl-4380	137	14	living	live	VERB
hassl-4380	137	15	in	in	ADP
hassl-4380	137	16	hanoi	hanoi	PROPN
hassl-4380	137	17	city	city	PROPN
hassl-4380	137	18	i	i	PROPN
hassl-4380	137	19	d	d	PROPN
hassl-4380	137	20	saving	save	VERB
hassl-4380	137	21	behaviors	behavior	NOUN
hassl-4380	137	22	of	of	ADP
hassl-4380	137	23	university	university	NOUN
hassl-4380	137	24	students	student	NOUN
hassl-4380	137	25	living	live	VERB
hassl-4380	137	26	in	in	ADP
hassl-4380	137	27	hanoi	hanoi	PROPN
hassl-4380	137	28	city	city	PROPN
hassl-4380	137	29	sb	sb	PROPN
hassl-4380	137	30	consumption	consumption	PROPN
hassl-4380	137	31	behavior	behavior	NOUN
hassl-4380	137	32	of	of	ADP
hassl-4380	137	33	university	university	NOUN
hassl-4380	137	34	students	student	NOUN
hassl-4380	137	35	living	live	VERB
hassl-4380	137	36	in	in	ADP
hassl-4380	137	37	hanoi	hanoi	PROPN
hassl-4380	137	38	city	city	PROPN
hassl-4380	137	39	cb	cb	PROPN
hassl-4380	137	40	independent	independent	PROPN
hassl-4380	137	41	variables	variable	VERB
hassl-4380	137	42	financial	financial	ADJ
hassl-4380	137	43	literacy	literacy	NOUN
hassl-4380	137	44	financial	financial	ADJ
hassl-4380	137	45	literacy	literacy	NOUN
hassl-4380	137	46	index	index	NOUN
hassl-4380	137	47	fl	fl	PROPN
hassl-4380	137	48	humanities	humanity	NOUN
hassl-4380	137	49	and	and	CCONJ
hassl-4380	137	50	social	social	ADJ
hassl-4380	137	51	sciences	science	NOUN
hassl-4380	137	52	letters	letter	NOUN
hassl-4380	137	53	,	,	PUNCT
hassl-4380	137	54	2025	2025	NUM
hassl-4380	137	55	,	,	PUNCT
hassl-4380	137	56	13(3	13(3	NUM
hassl-4380	137	57	):	):	PUNCT
hassl-4380	137	58	1037	1037	NUM
hassl-4380	137	59	-	-	SYM
hassl-4380	137	60	1052	1052	NUM
hassl-4380	137	61	1042	1042	NUM
hassl-4380	137	62	©	©	ADP
hassl-4380	137	63	2025	2025	NUM
hassl-4380	137	64	conscientia	conscientia	PROPN
hassl-4380	137	65	beam	beam	PROPN
hassl-4380	137	66	.	.	PUNCT
hassl-4380	138	1	all	all	DET
hassl-4380	138	2	rights	right	NOUN
hassl-4380	138	3	reserved	reserve	VERB
hassl-4380	138	4	.	.	PUNCT
hassl-4380	139	1	to	to	PART
hassl-4380	139	2	analyze	analyze	VERB
hassl-4380	139	3	data	datum	NOUN
hassl-4380	139	4	,	,	PUNCT
hassl-4380	139	5	this	this	DET
hassl-4380	139	6	research	research	NOUN
hassl-4380	139	7	used	use	VERB
hassl-4380	139	8	the	the	DET
hassl-4380	139	9	spss	spss	NOUN
hassl-4380	139	10	(	(	PUNCT
hassl-4380	139	11	statistical	statistical	ADJ
hassl-4380	139	12	package	package	NOUN
hassl-4380	139	13	for	for	ADP
hassl-4380	139	14	the	the	DET
hassl-4380	139	15	social	social	ADJ
hassl-4380	139	16	sciences	science	NOUN
hassl-4380	139	17	)	)	PUNCT
hassl-4380	139	18	tool	tool	NOUN
hassl-4380	139	19	,	,	PUNCT
hassl-4380	139	20	especially	especially	ADV
hassl-4380	139	21	composite	composite	ADJ
hassl-4380	139	22	reliability	reliability	NOUN
hassl-4380	139	23	(	(	PUNCT
hassl-4380	139	24	cronbach	cronbach	VERB
hassl-4380	139	25	’s	’s	PART
hassl-4380	139	26	alpha	alpha	NOUN
hassl-4380	139	27	)	)	PUNCT
hassl-4380	139	28	,	,	PUNCT
hassl-4380	139	29	and	and	CCONJ
hassl-4380	139	30	excel	excel	VERB
hassl-4380	139	31	.	.	PUNCT
hassl-4380	140	1	3.2	3.2	NUM
hassl-4380	140	2	.	.	PUNCT
hassl-4380	141	1	survey	survey	VERB
hassl-4380	141	2	a	a	DET
hassl-4380	141	3	questionnaire	questionnaire	NOUN
hassl-4380	141	4	was	be	AUX
hassl-4380	141	5	created	create	VERB
hassl-4380	141	6	based	base	VERB
hassl-4380	141	7	on	on	ADP
hassl-4380	141	8	a	a	DET
hassl-4380	141	9	previous	previous	ADJ
hassl-4380	141	10	research	research	NOUN
hassl-4380	141	11	document	document	NOUN
hassl-4380	141	12	,	,	PUNCT
hassl-4380	141	13	including	include	VERB
hassl-4380	141	14	general	general	ADJ
hassl-4380	141	15	information	information	NOUN
hassl-4380	141	16	and	and	CCONJ
hassl-4380	141	17	data	datum	NOUN
hassl-4380	141	18	about	about	ADP
hassl-4380	141	19	measured	measured	ADJ
hassl-4380	141	20	variables	variable	NOUN
hassl-4380	141	21	.	.	PUNCT
hassl-4380	142	1	specifically	specifically	ADV
hassl-4380	142	2	,	,	PUNCT
hassl-4380	142	3	regarding	regard	VERB
hassl-4380	142	4	measurement	measurement	NOUN
hassl-4380	142	5	variables	variable	NOUN
hassl-4380	142	6	,	,	PUNCT
hassl-4380	142	7	questions	question	NOUN
hassl-4380	142	8	about	about	ADP
hassl-4380	142	9	fl	fl	NUM
hassl-4380	142	10	were	be	AUX
hassl-4380	142	11	designed	design	VERB
hassl-4380	142	12	as	as	ADP
hassl-4380	142	13	multiple	multiple	ADJ
hassl-4380	142	14	-	-	PUNCT
hassl-4380	142	15	choice	choice	NOUN
hassl-4380	142	16	questions	question	NOUN
hassl-4380	142	17	with	with	ADP
hassl-4380	142	18	eight	eight	NUM
hassl-4380	142	19	items	item	NOUN
hassl-4380	142	20	,	,	PUNCT
hassl-4380	142	21	following	follow	VERB
hassl-4380	142	22	the	the	DET
hassl-4380	142	23	questionnaires	questionnaire	NOUN
hassl-4380	142	24	of	of	ADP
hassl-4380	142	25	ibrahim	ibrahim	PROPN
hassl-4380	142	26	and	and	CCONJ
hassl-4380	142	27	alqaydi	alqaydi	VERB
hassl-4380	142	28	(	(	PUNCT
hassl-4380	142	29	2013	2013	NUM
hassl-4380	142	30	)	)	PUNCT
hassl-4380	142	31	and	and	CCONJ
hassl-4380	142	32	stella	stella	NOUN
hassl-4380	142	33	,	,	PUNCT
hassl-4380	142	34	filotto	filotto	NOUN
hassl-4380	142	35	,	,	PUNCT
hassl-4380	142	36	and	and	CCONJ
hassl-4380	142	37	cervellati	cervellati	PROPN
hassl-4380	142	38	(	(	PUNCT
hassl-4380	142	39	2020	2020	NUM
hassl-4380	142	40	)	)	PUNCT
hassl-4380	142	41	.	.	PUNCT
hassl-4380	143	1	these	these	DET
hassl-4380	143	2	questions	question	NOUN
hassl-4380	143	3	assess	assess	VERB
hassl-4380	143	4	the	the	DET
hassl-4380	143	5	fl	fl	PROPN
hassl-4380	143	6	level	level	NOUN
hassl-4380	143	7	of	of	ADP
hassl-4380	143	8	university	university	NOUN
hassl-4380	143	9	students	student	NOUN
hassl-4380	143	10	and	and	CCONJ
hassl-4380	143	11	categorize	categorize	VERB
hassl-4380	143	12	them	they	PRON
hassl-4380	143	13	into	into	ADP
hassl-4380	143	14	three	three	NUM
hassl-4380	143	15	main	main	ADJ
hassl-4380	143	16	groups	group	NOUN
hassl-4380	143	17	:	:	PUNCT
hassl-4380	143	18	low	low	ADJ
hassl-4380	143	19	fl	fl	PROPN
hassl-4380	143	20	(	(	PUNCT
hassl-4380	143	21	correct	correct	ADJ
hassl-4380	143	22	answers	answer	NOUN
hassl-4380	143	23	in	in	ADP
hassl-4380	143	24	less	less	ADJ
hassl-4380	143	25	than	than	ADP
hassl-4380	143	26	3	3	NUM
hassl-4380	143	27	out	out	ADP
hassl-4380	143	28	of	of	ADP
hassl-4380	143	29	8	8	NUM
hassl-4380	143	30	questions	question	NOUN
hassl-4380	143	31	)	)	PUNCT
hassl-4380	143	32	,	,	PUNCT
hassl-4380	143	33	average	average	ADJ
hassl-4380	143	34	fl	fl	X
hassl-4380	143	35	(	(	PUNCT
hassl-4380	143	36	correct	correct	ADJ
hassl-4380	143	37	answers	answer	NOUN
hassl-4380	143	38	in	in	ADP
hassl-4380	143	39	3	3	NUM
hassl-4380	143	40	to	to	PART
hassl-4380	143	41	5	5	NUM
hassl-4380	143	42	out	out	ADP
hassl-4380	143	43	of	of	ADP
hassl-4380	143	44	8	8	NUM
hassl-4380	143	45	questions	question	NOUN
hassl-4380	143	46	)	)	PUNCT
hassl-4380	143	47	,	,	PUNCT
hassl-4380	143	48	and	and	CCONJ
hassl-4380	143	49	high	high	ADJ
hassl-4380	143	50	fl	fl	NOUN
hassl-4380	143	51	(	(	PUNCT
hassl-4380	143	52	correct	correct	ADJ
hassl-4380	143	53	answers	answer	NOUN
hassl-4380	143	54	in	in	ADP
hassl-4380	143	55	more	more	ADJ
hassl-4380	143	56	than	than	ADP
hassl-4380	143	57	5	5	NUM
hassl-4380	143	58	questions	question	NOUN
hassl-4380	143	59	)	)	PUNCT
hassl-4380	143	60	.	.	PUNCT
hassl-4380	144	1	regarding	regard	VERB
hassl-4380	144	2	fb	fb	NOUN
hassl-4380	144	3	,	,	PUNCT
hassl-4380	144	4	questions	question	NOUN
hassl-4380	144	5	have	have	AUX
hassl-4380	144	6	been	be	AUX
hassl-4380	144	7	arranged	arrange	VERB
hassl-4380	144	8	according	accord	VERB
hassl-4380	144	9	to	to	ADP
hassl-4380	144	10	the	the	DET
hassl-4380	144	11	likert	likert	ADJ
hassl-4380	144	12	scale	scale	NOUN
hassl-4380	144	13	for	for	SCONJ
hassl-4380	144	14	participants	participant	NOUN
hassl-4380	144	15	to	to	PART
hassl-4380	144	16	evaluate	evaluate	VERB
hassl-4380	144	17	questions	question	NOUN
hassl-4380	144	18	about	about	ADP
hassl-4380	144	19	fb	fb	NOUN
hassl-4380	144	20	variables	variable	NOUN
hassl-4380	144	21	were	be	AUX
hassl-4380	144	22	followed	follow	VERB
hassl-4380	144	23	from	from	ADP
hassl-4380	144	24	previous	previous	ADJ
hassl-4380	144	25	studies	study	NOUN
hassl-4380	144	26	including	include	VERB
hassl-4380	144	27	almansour	almansour	PROPN
hassl-4380	144	28	,	,	PUNCT
hassl-4380	144	29	elkrghli	elkrghli	NOUN
hassl-4380	144	30	,	,	PUNCT
hassl-4380	144	31	and	and	CCONJ
hassl-4380	144	32	almansour	almansour	NOUN
hassl-4380	144	33	(	(	PUNCT
hassl-4380	144	34	2023	2023	NUM
hassl-4380	144	35	)	)	PUNCT
hassl-4380	144	36	;	;	PUNCT
hassl-4380	144	37	widyastuti	widyastuti	PROPN
hassl-4380	144	38	et	et	PROPN
hassl-4380	144	39	al	al	PROPN
hassl-4380	144	40	.	.	PUNCT
hassl-4380	145	1	(	(	PUNCT
hassl-4380	145	2	2016	2016	NUM
hassl-4380	145	3	)	)	PUNCT
hassl-4380	145	4	,	,	PUNCT
hassl-4380	145	5	and	and	CCONJ
hassl-4380	145	6	niedzielski	niedzielski	NOUN
hassl-4380	145	7	(	(	PUNCT
hassl-4380	145	8	2013	2013	NUM
hassl-4380	145	9	)	)	PUNCT
hassl-4380	145	10	.	.	PUNCT
hassl-4380	146	1	3.3	3.3	NUM
hassl-4380	146	2	.	.	PUNCT
hassl-4380	147	1	data	datum	NOUN
hassl-4380	147	2	collection	collection	NOUN
hassl-4380	147	3	this	this	DET
hassl-4380	147	4	research	research	NOUN
hassl-4380	147	5	project	project	NOUN
hassl-4380	147	6	collected	collect	VERB
hassl-4380	147	7	data	datum	NOUN
hassl-4380	147	8	from	from	ADP
hassl-4380	147	9	young	young	ADJ
hassl-4380	147	10	people	people	NOUN
hassl-4380	147	11	studying	study	VERB
hassl-4380	147	12	at	at	ADP
hassl-4380	147	13	30	30	NUM
hassl-4380	147	14	universities	university	NOUN
hassl-4380	147	15	,	,	PUNCT
hassl-4380	147	16	specifically	specifically	ADV
hassl-4380	147	17	those	those	PRON
hassl-4380	147	18	living	live	VERB
hassl-4380	147	19	in	in	ADP
hassl-4380	147	20	hanoi	hanoi	PROPN
hassl-4380	147	21	city	city	PROPN
hassl-4380	147	22	,	,	PUNCT
hassl-4380	147	23	vietnam	vietnam	PROPN
hassl-4380	147	24	(	(	PUNCT
hassl-4380	147	25	appendix	appendix	NOUN
hassl-4380	147	26	1	1	NUM
hassl-4380	147	27	)	)	PUNCT
hassl-4380	147	28	.	.	PUNCT
hassl-4380	148	1	data	datum	NOUN
hassl-4380	148	2	from	from	ADP
hassl-4380	148	3	vietnam	vietnam	PROPN
hassl-4380	148	4	general	general	PROPN
hassl-4380	148	5	statistics	statistics	PROPN
hassl-4380	148	6	office	office	NOUN
hassl-4380	148	7	indicated	indicate	VERB
hassl-4380	148	8	that	that	SCONJ
hassl-4380	148	9	in	in	ADP
hassl-4380	148	10	2020	2020	NUM
hassl-4380	148	11	,	,	PUNCT
hassl-4380	148	12	the	the	DET
hassl-4380	148	13	number	number	NOUN
hassl-4380	148	14	of	of	ADP
hassl-4380	148	15	university	university	NOUN
hassl-4380	148	16	students	student	NOUN
hassl-4380	148	17	in	in	ADP
hassl-4380	148	18	hanoi	hanoi	PROPN
hassl-4380	148	19	was	be	AUX
hassl-4380	148	20	628,981	628,981	NUM
hassl-4380	148	21	people	people	NOUN
hassl-4380	148	22	.	.	PUNCT
hassl-4380	149	1	in	in	ADP
hassl-4380	149	2	2023	2023	NUM
hassl-4380	149	3	,	,	PUNCT
hassl-4380	149	4	this	this	DET
hassl-4380	149	5	number	number	NOUN
hassl-4380	149	6	is	be	AUX
hassl-4380	149	7	still	still	ADV
hassl-4380	149	8	given	give	VERB
hassl-4380	149	9	at	at	ADP
hassl-4380	149	10	around	around	ADV
hassl-4380	149	11	600,000	600,000	NUM
hassl-4380	149	12	students	student	NOUN
hassl-4380	149	13	(	(	PUNCT
hassl-4380	149	14	my	my	PRON
hassl-4380	149	15	 	 	SPACE
hassl-4380	149	16	ha	ha	INTJ
hassl-4380	149	17	,	,	PUNCT
hassl-4380	149	18	2023	2023	NUM
hassl-4380	149	19	)	)	PUNCT
hassl-4380	149	20	;	;	PUNCT
hassl-4380	149	21	however	however	ADV
hassl-4380	149	22	,	,	PUNCT
hassl-4380	149	23	researchers	researcher	NOUN
hassl-4380	149	24	could	could	AUX
hassl-4380	149	25	not	not	PART
hassl-4380	149	26	receive	receive	VERB
hassl-4380	149	27	all	all	DET
hassl-4380	149	28	the	the	DET
hassl-4380	149	29	data	datum	NOUN
hassl-4380	149	30	in	in	ADP
hassl-4380	149	31	the	the	DET
hassl-4380	149	32	limited	limited	ADJ
hassl-4380	149	33	time	time	NOUN
hassl-4380	149	34	.	.	PUNCT
hassl-4380	150	1	according	accord	VERB
hassl-4380	150	2	to	to	ADP
hassl-4380	150	3	saunders	saunders	PROPN
hassl-4380	150	4	et	et	PROPN
hassl-4380	150	5	al	al	PROPN
hassl-4380	150	6	.	.	PROPN
hassl-4380	151	1	(	(	PUNCT
hassl-4380	151	2	2019	2019	NUM
hassl-4380	151	3	)	)	PUNCT
hassl-4380	151	4	,	,	PUNCT
hassl-4380	151	5	the	the	DET
hassl-4380	151	6	sample	sample	NOUN
hassl-4380	151	7	size	size	NOUN
hassl-4380	151	8	is	be	AUX
hassl-4380	151	9	401	401	NUM
hassl-4380	151	10	,	,	PUNCT
hassl-4380	151	11	given	give	VERB
hassl-4380	151	12	an	an	DET
hassl-4380	151	13	acceptable	acceptable	ADJ
hassl-4380	151	14	error	error	NOUN
hassl-4380	151	15	of	of	ADP
hassl-4380	151	16	7	7	NUM
hassl-4380	151	17	%	%	NOUN
hassl-4380	151	18	and	and	CCONJ
hassl-4380	151	19	a	a	DET
hassl-4380	151	20	confidence	confidence	NOUN
hassl-4380	151	21	level	level	NOUN
hassl-4380	151	22	of	of	ADP
hassl-4380	151	23	97	97	NUM
hassl-4380	151	24	%	%	NOUN
hassl-4380	151	25	.	.	PUNCT
hassl-4380	152	1	besides	besides	SCONJ
hassl-4380	152	2	,	,	PUNCT
hassl-4380	152	3	the	the	DET
hassl-4380	152	4	convenience	convenience	NOUN
hassl-4380	152	5	sampling	sampling	NOUN
hassl-4380	152	6	method	method	NOUN
hassl-4380	152	7	was	be	AUX
hassl-4380	152	8	chosen	choose	VERB
hassl-4380	152	9	,	,	PUNCT
hassl-4380	152	10	which	which	PRON
hassl-4380	152	11	is	be	AUX
hassl-4380	152	12	a	a	DET
hassl-4380	152	13	non	non	ADJ
hassl-4380	152	14	-	-	ADJ
hassl-4380	152	15	probability	probability	ADJ
hassl-4380	152	16	method	method	NOUN
hassl-4380	152	17	that	that	PRON
hassl-4380	152	18	is	be	AUX
hassl-4380	152	19	easy	easy	ADJ
hassl-4380	152	20	to	to	PART
hassl-4380	152	21	apply	apply	VERB
hassl-4380	152	22	and	and	CCONJ
hassl-4380	152	23	saves	save	VERB
hassl-4380	152	24	time	time	NOUN
hassl-4380	152	25	and	and	CCONJ
hassl-4380	152	26	effort	effort	NOUN
hassl-4380	152	27	for	for	ADP
hassl-4380	152	28	researchers	researcher	NOUN
hassl-4380	152	29	(	(	PUNCT
hassl-4380	152	30	gaille	gaille	NOUN
hassl-4380	152	31	,	,	PUNCT
hassl-4380	152	32	2025	2025	NUM
hassl-4380	152	33	)	)	PUNCT
hassl-4380	152	34	.	.	PUNCT
hassl-4380	153	1	this	this	DET
hassl-4380	153	2	sampling	sampling	NOUN
hassl-4380	153	3	method	method	NOUN
hassl-4380	153	4	ensures	ensure	VERB
hassl-4380	153	5	the	the	DET
hassl-4380	153	6	willingness	willingness	NOUN
hassl-4380	153	7	of	of	ADP
hassl-4380	153	8	participants	participant	NOUN
hassl-4380	153	9	and	and	CCONJ
hassl-4380	153	10	meets	meet	VERB
hassl-4380	153	11	the	the	DET
hassl-4380	153	12	availability	availability	NOUN
hassl-4380	153	13	requirements	requirement	NOUN
hassl-4380	153	14	for	for	ADP
hassl-4380	153	15	the	the	DET
hassl-4380	153	16	research	research	NOUN
hassl-4380	153	17	.	.	PUNCT
hassl-4380	154	1	moreover	moreover	ADV
hassl-4380	154	2	,	,	PUNCT
hassl-4380	154	3	the	the	DET
hassl-4380	154	4	research	research	NOUN
hassl-4380	154	5	employed	employ	VERB
hassl-4380	154	6	the	the	DET
hassl-4380	154	7	convenience	convenience	NOUN
hassl-4380	154	8	sampling	sample	VERB
hassl-4380	154	9	method	method	NOUN
hassl-4380	154	10	to	to	PART
hassl-4380	154	11	reach	reach	VERB
hassl-4380	154	12	groups	group	NOUN
hassl-4380	154	13	that	that	PRON
hassl-4380	154	14	may	may	AUX
hassl-4380	154	15	be	be	AUX
hassl-4380	154	16	difficult	difficult	ADJ
hassl-4380	154	17	to	to	PART
hassl-4380	154	18	access	access	VERB
hassl-4380	154	19	through	through	ADP
hassl-4380	154	20	various	various	ADJ
hassl-4380	154	21	means	mean	NOUN
hassl-4380	154	22	,	,	PUNCT
hassl-4380	154	23	such	such	ADJ
hassl-4380	154	24	as	as	ADP
hassl-4380	154	25	visiting	visit	VERB
hassl-4380	154	26	locations	location	NOUN
hassl-4380	154	27	,	,	PUNCT
hassl-4380	154	28	posting	post	VERB
hassl-4380	154	29	on	on	ADP
hassl-4380	154	30	social	social	ADJ
hassl-4380	154	31	media	medium	NOUN
hassl-4380	154	32	platforms	platform	NOUN
hassl-4380	154	33	,	,	PUNCT
hassl-4380	154	34	and	and	CCONJ
hassl-4380	154	35	online	online	ADJ
hassl-4380	154	36	forums	forum	NOUN
hassl-4380	154	37	,	,	PUNCT
hassl-4380	154	38	to	to	PART
hassl-4380	154	39	find	find	VERB
hassl-4380	154	40	participants	participant	NOUN
hassl-4380	154	41	(	(	PUNCT
hassl-4380	154	42	sedgwick	sedgwick	NOUN
hassl-4380	154	43	,	,	PUNCT
hassl-4380	154	44	2013	2013	NUM
hassl-4380	154	45	)	)	PUNCT
hassl-4380	154	46	.	.	PUNCT
hassl-4380	155	1	table	table	NOUN
hassl-4380	155	2	2	2	NUM
hassl-4380	155	3	presents	present	VERB
hassl-4380	155	4	a	a	DET
hassl-4380	155	5	number	number	NOUN
hassl-4380	155	6	of	of	ADP
hassl-4380	155	7	survey	survey	NOUN
hassl-4380	155	8	participants	participant	NOUN
hassl-4380	155	9	,	,	PUNCT
hassl-4380	155	10	as	as	SCONJ
hassl-4380	155	11	follows	follow	VERB
hassl-4380	155	12	:	:	PUNCT
hassl-4380	155	13	table	table	NOUN
hassl-4380	155	14	2	2	NUM
hassl-4380	155	15	.	.	PUNCT
hassl-4380	155	16	distribution	distribution	NOUN
hassl-4380	155	17	of	of	ADP
hassl-4380	155	18	the	the	DET
hassl-4380	155	19	questionnaire	questionnaire	NOUN
hassl-4380	155	20	.	.	PUNCT
hassl-4380	156	1	items	item	NOUN
hassl-4380	156	2	no	no	INTJ
hassl-4380	156	3	.	.	PUNCT
hassl-4380	157	1	questionnaires	questionnaire	NOUN
hassl-4380	157	2	distributed	distribute	VERB
hassl-4380	157	3	500	500	NUM
hassl-4380	157	4	total	total	ADJ
hassl-4380	157	5	response	response	NOUN
hassl-4380	157	6	401	401	NUM
hassl-4380	157	7	usable	usable	ADJ
hassl-4380	157	8	response	response	NOUN
hassl-4380	157	9	401	401	NUM
hassl-4380	157	10	total	total	ADJ
hassl-4380	157	11	response	response	NOUN
hassl-4380	157	12	rate	rate	NOUN
hassl-4380	157	13	80.2	80.2	NUM
hassl-4380	157	14	%	%	NOUN
hassl-4380	157	15	usable	usable	ADJ
hassl-4380	157	16	response	response	NOUN
hassl-4380	157	17	rate	rate	NOUN
hassl-4380	157	18	100	100	NUM
hassl-4380	157	19	%	%	NOUN
hassl-4380	157	20	table	table	NOUN
hassl-4380	157	21	3	3	NUM
hassl-4380	157	22	presents	present	VERB
hassl-4380	157	23	general	general	ADJ
hassl-4380	157	24	information	information	NOUN
hassl-4380	157	25	about	about	ADP
hassl-4380	157	26	the	the	DET
hassl-4380	157	27	survey	survey	NOUN
hassl-4380	157	28	participants	participant	NOUN
hassl-4380	157	29	.	.	PUNCT
hassl-4380	158	1	specifically	specifically	ADV
hassl-4380	158	2	,	,	PUNCT
hassl-4380	158	3	the	the	DET
hassl-4380	158	4	percentage	percentage	NOUN
hassl-4380	158	5	of	of	ADP
hassl-4380	158	6	male	male	ADJ
hassl-4380	158	7	and	and	CCONJ
hassl-4380	158	8	female	female	ADJ
hassl-4380	158	9	students	student	NOUN
hassl-4380	158	10	who	who	PRON
hassl-4380	158	11	participated	participate	VERB
hassl-4380	158	12	was	be	AUX
hassl-4380	158	13	nearly	nearly	ADV
hassl-4380	158	14	balanced	balanced	ADJ
hassl-4380	158	15	,	,	PUNCT
hassl-4380	158	16	indicating	indicate	VERB
hassl-4380	158	17	no	no	DET
hassl-4380	158	18	gender	gender	NOUN
hassl-4380	158	19	bias	bias	NOUN
hassl-4380	158	20	in	in	ADP
hassl-4380	158	21	the	the	DET
hassl-4380	158	22	results	result	NOUN
hassl-4380	158	23	.	.	PUNCT
hassl-4380	159	1	additionally	additionally	ADV
hassl-4380	159	2	,	,	PUNCT
hassl-4380	159	3	general	general	ADJ
hassl-4380	159	4	information	information	NOUN
hassl-4380	159	5	was	be	AUX
hassl-4380	159	6	collected	collect	VERB
hassl-4380	159	7	from	from	ADP
hassl-4380	159	8	all	all	DET
hassl-4380	159	9	target	target	NOUN
hassl-4380	159	10	groups	group	NOUN
hassl-4380	159	11	.	.	PUNCT
hassl-4380	160	1	this	this	PRON
hassl-4380	160	2	helped	help	VERB
hassl-4380	160	3	researchers	researcher	NOUN
hassl-4380	160	4	accurately	accurately	ADV
hassl-4380	160	5	analyze	analyze	VERB
hassl-4380	160	6	fl	fl	ADP
hassl-4380	160	7	issues	issue	NOUN
hassl-4380	160	8	affecting	affect	VERB
hassl-4380	160	9	fb	fb	INTJ
hassl-4380	160	10	to	to	PART
hassl-4380	160	11	make	make	VERB
hassl-4380	160	12	the	the	DET
hassl-4380	160	13	most	most	ADV
hassl-4380	160	14	appropriate	appropriate	ADJ
hassl-4380	160	15	recommendations	recommendation	NOUN
hassl-4380	160	16	.	.	PUNCT
hassl-4380	161	1	figure	figure	VERB
hassl-4380	161	2	2	2	NUM
hassl-4380	161	3	presents	present	VERB
hassl-4380	161	4	the	the	DET
hassl-4380	161	5	survey	survey	NOUN
hassl-4380	161	6	results	result	NOUN
hassl-4380	161	7	of	of	ADP
hassl-4380	161	8	participants	participant	NOUN
hassl-4380	161	9	who	who	PRON
hassl-4380	161	10	responded	respond	VERB
hassl-4380	161	11	to	to	ADP
hassl-4380	161	12	the	the	DET
hassl-4380	161	13	study	study	NOUN
hassl-4380	161	14	.	.	PUNCT
hassl-4380	162	1	based	base	VERB
hassl-4380	162	2	on	on	ADP
hassl-4380	162	3	the	the	DET
hassl-4380	162	4	number	number	NOUN
hassl-4380	162	5	of	of	ADP
hassl-4380	162	6	correct	correct	ADJ
hassl-4380	162	7	answers	answer	NOUN
hassl-4380	162	8	provided	provide	VERB
hassl-4380	162	9	by	by	ADP
hassl-4380	162	10	the	the	DET
hassl-4380	162	11	participants	participant	NOUN
hassl-4380	162	12	,	,	PUNCT
hassl-4380	162	13	three	three	NUM
hassl-4380	162	14	groups	group	NOUN
hassl-4380	162	15	of	of	ADP
hassl-4380	162	16	participants	participant	NOUN
hassl-4380	162	17	'	'	PART
hassl-4380	162	18	fl	fl	PROPN
hassl-4380	162	19	levels	level	NOUN
hassl-4380	162	20	were	be	AUX
hassl-4380	162	21	identified	identify	VERB
hassl-4380	162	22	.	.	PUNCT
hassl-4380	163	1	this	this	DET
hassl-4380	163	2	result	result	NOUN
hassl-4380	163	3	demonstrates	demonstrate	VERB
hassl-4380	163	4	that	that	SCONJ
hassl-4380	163	5	the	the	DET
hassl-4380	163	6	study	study	NOUN
hassl-4380	163	7	captured	capture	VERB
hassl-4380	163	8	diverse	diverse	ADJ
hassl-4380	163	9	perspectives	perspective	NOUN
hassl-4380	163	10	from	from	ADP
hassl-4380	163	11	participants	participant	NOUN
hassl-4380	163	12	at	at	ADP
hassl-4380	163	13	different	different	ADJ
hassl-4380	163	14	fl	fl	PROPN
hassl-4380	163	15	levels	level	NOUN
hassl-4380	163	16	,	,	PUNCT
hassl-4380	163	17	which	which	PRON
hassl-4380	163	18	helped	help	VERB
hassl-4380	163	19	the	the	DET
hassl-4380	163	20	authors	author	NOUN
hassl-4380	163	21	derive	derive	VERB
hassl-4380	163	22	various	various	ADJ
hassl-4380	163	23	findings	finding	NOUN
hassl-4380	163	24	and	and	CCONJ
hassl-4380	163	25	offer	offer	VERB
hassl-4380	163	26	appropriate	appropriate	ADJ
hassl-4380	163	27	recommendations	recommendation	NOUN
hassl-4380	163	28	for	for	ADP
hassl-4380	163	29	each	each	DET
hassl-4380	163	30	fl	fl	PROPN
hassl-4380	163	31	group	group	NOUN
hassl-4380	163	32	.	.	PUNCT
hassl-4380	164	1	humanities	humanity	NOUN
hassl-4380	164	2	and	and	CCONJ
hassl-4380	164	3	social	social	ADJ
hassl-4380	164	4	sciences	science	NOUN
hassl-4380	164	5	letters	letter	NOUN
hassl-4380	164	6	,	,	PUNCT
hassl-4380	164	7	2025	2025	NUM
hassl-4380	164	8	,	,	PUNCT
hassl-4380	164	9	13(3	13(3	NUM
hassl-4380	164	10	):	):	PUNCT
hassl-4380	164	11	1037	1037	NUM
hassl-4380	164	12	-	-	SYM
hassl-4380	164	13	1052	1052	NUM
hassl-4380	164	14	1043	1043	NUM
hassl-4380	164	15	©	©	PROPN
hassl-4380	164	16	2025	2025	NUM
hassl-4380	164	17	conscientia	conscientia	PROPN
hassl-4380	164	18	beam	beam	PROPN
hassl-4380	164	19	.	.	PUNCT
hassl-4380	165	1	all	all	DET
hassl-4380	165	2	rights	right	NOUN
hassl-4380	165	3	reserved	reserve	VERB
hassl-4380	165	4	.	.	PUNCT
hassl-4380	166	1	table	table	NOUN
hassl-4380	166	2	3	3	NUM
hassl-4380	166	3	.	.	X
hassl-4380	167	1	demographic	demographic	ADJ
hassl-4380	167	2	of	of	ADP
hassl-4380	167	3	sample	sample	NOUN
hassl-4380	167	4	size	size	NOUN
hassl-4380	167	5	.	.	PUNCT
hassl-4380	168	1	respondent	respondent	NOUN
hassl-4380	168	2	’s	’s	PART
hassl-4380	168	3	profiles	profile	NOUN
hassl-4380	168	4	categories	category	NOUN
hassl-4380	168	5	frequency	frequency	NOUN
hassl-4380	168	6	percent	percent	NOUN
hassl-4380	168	7	%	%	NOUN
hassl-4380	168	8	gender	gender	NOUN
hassl-4380	168	9	male	male	NOUN
hassl-4380	168	10	190	190	NUM
hassl-4380	168	11	47.4	47.4	NUM
hassl-4380	168	12	%	%	NOUN
hassl-4380	168	13	female	female	ADJ
hassl-4380	168	14	211	211	NUM
hassl-4380	168	15	52.6	52.6	NUM
hassl-4380	168	16	%	%	NOUN
hassl-4380	168	17	academic	academic	ADJ
hassl-4380	168	18	year	year	NOUN
hassl-4380	168	19	first	first	ADJ
hassl-4380	168	20	-	-	PUNCT
hassl-4380	168	21	year	year	NOUN
hassl-4380	168	22	student	student	NOUN
hassl-4380	168	23	74	74	NUM
hassl-4380	168	24	18.5	18.5	NUM
hassl-4380	168	25	%	%	NOUN
hassl-4380	168	26	second	second	ADJ
hassl-4380	168	27	-	-	PUNCT
hassl-4380	168	28	year	year	NOUN
hassl-4380	168	29	student	student	NOUN
hassl-4380	168	30	90	90	NUM
hassl-4380	168	31	22.4	22.4	NUM
hassl-4380	168	32	%	%	NOUN
hassl-4380	168	33	third	third	ADJ
hassl-4380	168	34	-	-	PUNCT
hassl-4380	168	35	year	year	NOUN
hassl-4380	168	36	student	student	NOUN
hassl-4380	168	37	147	147	NUM
hassl-4380	168	38	36.7	36.7	NUM
hassl-4380	168	39	%	%	NOUN
hassl-4380	168	40	fourth	fourth	ADJ
hassl-4380	168	41	-	-	PUNCT
hassl-4380	168	42	year	year	NOUN
hassl-4380	168	43	student	student	NOUN
hassl-4380	168	44	90	90	NUM
hassl-4380	168	45	22.4	22.4	NUM
hassl-4380	168	46	%	%	NOUN
hassl-4380	168	47	economics	economic	NOUN
hassl-4380	168	48	or	or	CCONJ
hassl-4380	168	49	finance	finance	NOUN
hassl-4380	168	50	majors	major	NOUN
hassl-4380	168	51	yes	yes	INTJ
hassl-4380	168	52	201	201	NUM
hassl-4380	168	53	50.1	50.1	NUM
hassl-4380	168	54	%	%	NOUN
hassl-4380	168	55	no	no	DET
hassl-4380	168	56	200	200	NUM
hassl-4380	168	57	49.9	49.9	NUM
hassl-4380	168	58	%	%	NOUN
hassl-4380	168	59	monthly	monthly	ADJ
hassl-4380	168	60	income	income	NOUN
hassl-4380	168	61	under	under	ADP
hassl-4380	168	62	2	2	NUM
hassl-4380	168	63	million	million	NUM
hassl-4380	168	64	vnd	vnd	NOUN
hassl-4380	168	65	72	72	NUM
hassl-4380	168	66	18	18	NUM
hassl-4380	168	67	%	%	NOUN
hassl-4380	168	68	2	2	NUM
hassl-4380	168	69	-	-	SYM
hassl-4380	168	70	3	3	NUM
hassl-4380	168	71	million	million	NUM
hassl-4380	168	72	vnd	vnd	NOUN
hassl-4380	168	73	77	77	NUM
hassl-4380	168	74	19.2	19.2	NUM
hassl-4380	168	75	%	%	NOUN
hassl-4380	168	76	3	3	NUM
hassl-4380	168	77	-	-	SYM
hassl-4380	168	78	5	5	NUM
hassl-4380	168	79	million	million	NUM
hassl-4380	168	80	vnd	vnd	NOUN
hassl-4380	168	81	160	160	NUM
hassl-4380	168	82	39.9	39.9	NUM
hassl-4380	168	83	%	%	NOUN
hassl-4380	168	84	over	over	ADP
hassl-4380	168	85	5	5	NUM
hassl-4380	168	86	million	million	NUM
hassl-4380	168	87	vnd	vnd	NOUN
hassl-4380	168	88	92	92	NUM
hassl-4380	168	89	22.9	22.9	NUM
hassl-4380	168	90	%	%	NOUN
hassl-4380	168	91	figure	figure	NOUN
hassl-4380	168	92	2	2	NUM
hassl-4380	168	93	.	.	PUNCT
hassl-4380	169	1	levels	level	NOUN
hassl-4380	169	2	of	of	ADP
hassl-4380	169	3	respondents	respondent	NOUN
hassl-4380	169	4	’	'	PUNCT
hassl-4380	169	5	financial	financial	ADJ
hassl-4380	169	6	literacy	literacy	NOUN
hassl-4380	169	7	.	.	PUNCT
hassl-4380	170	1	4	4	X
hassl-4380	170	2	.	.	X
hassl-4380	170	3	empirical	empirical	ADJ
hassl-4380	170	4	results	result	NOUN
hassl-4380	170	5	and	and	CCONJ
hassl-4380	170	6	discussions	discussion	NOUN
hassl-4380	170	7	4.1	4.1	NUM
hassl-4380	170	8	.	.	PUNCT
hassl-4380	171	1	empirical	empirical	ADJ
hassl-4380	171	2	results	result	NOUN
hassl-4380	171	3	4.1.1	4.1.1	NUM
hassl-4380	171	4	.	.	PUNCT
hassl-4380	172	1	composite	composite	ADJ
hassl-4380	172	2	reliability	reliability	NOUN
hassl-4380	172	3	(	(	PUNCT
hassl-4380	172	4	cronbach	cronbach	VERB
hassl-4380	172	5	’s	’s	PART
hassl-4380	172	6	alpha	alpha	NOUN
hassl-4380	172	7	)	)	PUNCT
hassl-4380	172	8	table	table	NOUN
hassl-4380	172	9	4	4	NUM
hassl-4380	172	10	indicates	indicate	VERB
hassl-4380	172	11	cronbach	cronbach	NOUN
hassl-4380	172	12	’s	’s	PART
hassl-4380	172	13	alpha	alpha	NOUN
hassl-4380	172	14	values	value	NOUN
hassl-4380	172	15	for	for	ADP
hassl-4380	172	16	the	the	DET
hassl-4380	172	17	3	3	NUM
hassl-4380	172	18	dependent	dependent	ADJ
hassl-4380	172	19	variables	variable	NOUN
hassl-4380	172	20	,	,	PUNCT
hassl-4380	172	21	including	include	VERB
hassl-4380	172	22	i	i	PROPN
hassl-4380	172	23	d	d	PROPN
hassl-4380	172	24	,	,	PUNCT
hassl-4380	172	25	sb	sb	PROPN
hassl-4380	172	26	,	,	PUNCT
hassl-4380	172	27	and	and	CCONJ
hassl-4380	172	28	cb	cb	PROPN
hassl-4380	172	29	in	in	ADP
hassl-4380	172	30	3	3	NUM
hassl-4380	172	31	different	different	ADJ
hassl-4380	172	32	levels	level	NOUN
hassl-4380	172	33	of	of	ADP
hassl-4380	172	34	financial	financial	ADJ
hassl-4380	172	35	literacy	literacy	NOUN
hassl-4380	172	36	of	of	ADP
hassl-4380	172	37	participants	participant	NOUN
hassl-4380	172	38	.	.	PUNCT
hassl-4380	173	1	table	table	NOUN
hassl-4380	173	2	4	4	NUM
hassl-4380	173	3	.	.	PUNCT
hassl-4380	174	1	reliability	reliability	NOUN
hassl-4380	174	2	of	of	ADP
hassl-4380	174	3	cronbach	cronbach	PROPN
hassl-4380	174	4	’s	’s	PART
hassl-4380	174	5	alpha	alpha	NOUN
hassl-4380	174	6	of	of	ADP
hassl-4380	174	7	each	each	DET
hassl-4380	174	8	financial	financial	ADJ
hassl-4380	174	9	literacy	literacy	NOUN
hassl-4380	174	10	group	group	NOUN
hassl-4380	174	11	.	.	PUNCT
hassl-4380	175	1	variable	variable	PROPN
hassl-4380	175	2	cronbach	cronbach	PROPN
hassl-4380	175	3	’s	’s	PART
hassl-4380	175	4	alpha	alpha	PROPN
hassl-4380	175	5	low	low	ADJ
hassl-4380	175	6	fl	fl	INTJ
hassl-4380	176	1	i	i	PROPN
hassl-4380	176	2	d	d	PROPN
hassl-4380	176	3	0.88	0.88	NUM
hassl-4380	176	4	sb	sb	PROPN
hassl-4380	176	5	0.88	0.88	NUM
hassl-4380	176	6	cb	cb	PROPN
hassl-4380	176	7	0.76	0.76	NUM
hassl-4380	176	8	average	average	NOUN
hassl-4380	176	9	fl	fl	NOUN
hassl-4380	177	1	i	i	PROPN
hassl-4380	177	2	d	d	PROPN
hassl-4380	177	3	0.79	0.79	NUM
hassl-4380	177	4	sb	sb	PROPN
hassl-4380	177	5	0.89	0.89	NUM
hassl-4380	177	6	cb	cb	PROPN
hassl-4380	177	7	0.71	0.71	NUM
hassl-4380	177	8	high	high	PROPN
hassl-4380	177	9	fl	fl	PROPN
hassl-4380	178	1	i	i	PROPN
hassl-4380	178	2	d	d	PROPN
hassl-4380	178	3	0.67	0.67	NUM
hassl-4380	178	4	sb	sb	PROPN
hassl-4380	178	5	0.84	0.84	NUM
hassl-4380	178	6	cb	cb	PROPN
hassl-4380	178	7	0.72	0.72	NUM
hassl-4380	178	8	humanities	humanity	NOUN
hassl-4380	178	9	and	and	CCONJ
hassl-4380	178	10	social	social	ADJ
hassl-4380	178	11	sciences	science	NOUN
hassl-4380	178	12	letters	letter	NOUN
hassl-4380	178	13	,	,	PUNCT
hassl-4380	178	14	2025	2025	NUM
hassl-4380	178	15	,	,	PUNCT
hassl-4380	178	16	13(3	13(3	NUM
hassl-4380	178	17	):	):	PUNCT
hassl-4380	178	18	1037	1037	NUM
hassl-4380	178	19	-	-	SYM
hassl-4380	178	20	1052	1052	NUM
hassl-4380	178	21	1044	1044	NUM
hassl-4380	178	22	©	©	PROPN
hassl-4380	178	23	2025	2025	NUM
hassl-4380	178	24	conscientia	conscientia	PROPN
hassl-4380	178	25	beam	beam	PROPN
hassl-4380	178	26	.	.	PUNCT
hassl-4380	179	1	all	all	DET
hassl-4380	179	2	rights	right	NOUN
hassl-4380	179	3	reserved	reserve	VERB
hassl-4380	179	4	.	.	PUNCT
hassl-4380	180	1	figure	figure	VERB
hassl-4380	180	2	3	3	NUM
hassl-4380	180	3	.	.	PUNCT
hassl-4380	181	1	i	i	PRON
hassl-4380	181	2	d	d	PROPN
hassl-4380	181	3	’s	’s	PART
hassl-4380	181	4	indicators	indicator	NOUN
hassl-4380	181	5	.	.	PUNCT
hassl-4380	182	1	4.1.2	4.1.2	X
hassl-4380	182	2	.	.	PUNCT
hassl-4380	182	3	impact	impact	NOUN
hassl-4380	182	4	of	of	ADP
hassl-4380	182	5	financial	financial	ADJ
hassl-4380	182	6	literacy	literacy	NOUN
hassl-4380	182	7	on	on	ADP
hassl-4380	182	8	investment	investment	NOUN
hassl-4380	182	9	decisions	decision	NOUN
hassl-4380	182	10	figure	figure	VERB
hassl-4380	182	11	3	3	NUM
hassl-4380	182	12	illustrates	illustrate	VERB
hassl-4380	182	13	the	the	DET
hassl-4380	182	14	i	i	PROPN
hassl-4380	182	15	d	d	PROPN
hassl-4380	182	16	's	's	PART
hassl-4380	182	17	indicators	indicator	NOUN
hassl-4380	182	18	of	of	ADP
hassl-4380	182	19	the	the	DET
hassl-4380	182	20	participants	participant	NOUN
hassl-4380	182	21	according	accord	VERB
hassl-4380	182	22	to	to	ADP
hassl-4380	182	23	the	the	DET
hassl-4380	182	24	mean	mean	NOUN
hassl-4380	182	25	of	of	ADP
hassl-4380	182	26	the	the	DET
hassl-4380	182	27	responses	response	NOUN
hassl-4380	182	28	.	.	PUNCT
hassl-4380	183	1	the	the	DET
hassl-4380	183	2	results	result	NOUN
hassl-4380	183	3	indicated	indicate	VERB
hassl-4380	183	4	that	that	SCONJ
hassl-4380	183	5	the	the	DET
hassl-4380	183	6	participants	participant	NOUN
hassl-4380	183	7	in	in	ADP
hassl-4380	183	8	the	the	DET
hassl-4380	183	9	survey	survey	NOUN
hassl-4380	183	10	had	have	VERB
hassl-4380	183	11	a	a	DET
hassl-4380	183	12	positive	positive	ADJ
hassl-4380	183	13	assessment	assessment	NOUN
hassl-4380	183	14	of	of	ADP
hassl-4380	183	15	i	i	PROPN
hassl-4380	183	16	d	d	PROPN
hassl-4380	183	17	at	at	ADP
hassl-4380	183	18	all	all	DET
hassl-4380	183	19	fl	fl	PROPN
hassl-4380	183	20	levels	level	NOUN
hassl-4380	183	21	.	.	PUNCT
hassl-4380	184	1	students	student	NOUN
hassl-4380	184	2	with	with	ADP
hassl-4380	184	3	high	high	ADJ
hassl-4380	184	4	fl	fl	PROPN
hassl-4380	184	5	demonstrated	demonstrate	VERB
hassl-4380	184	6	the	the	DET
hassl-4380	184	7	highest	high	ADJ
hassl-4380	184	8	investment	investment	NOUN
hassl-4380	184	9	desire	desire	NOUN
hassl-4380	184	10	,	,	PUNCT
hassl-4380	184	11	followed	follow	VERB
hassl-4380	184	12	by	by	ADP
hassl-4380	184	13	students	student	NOUN
hassl-4380	184	14	with	with	ADP
hassl-4380	184	15	medium	medium	ADJ
hassl-4380	184	16	fl	fl	NOUN
hassl-4380	184	17	and	and	CCONJ
hassl-4380	184	18	students	student	NOUN
hassl-4380	184	19	with	with	ADP
hassl-4380	184	20	low	low	ADJ
hassl-4380	184	21	fl	fl	PROPN
hassl-4380	184	22	.	.	PUNCT
hassl-4380	185	1	this	this	PRON
hassl-4380	185	2	can	can	AUX
hassl-4380	185	3	be	be	AUX
hassl-4380	185	4	explained	explain	VERB
hassl-4380	185	5	by	by	ADP
hassl-4380	185	6	the	the	DET
hassl-4380	185	7	fact	fact	NOUN
hassl-4380	185	8	that	that	SCONJ
hassl-4380	185	9	students	student	NOUN
hassl-4380	185	10	with	with	ADP
hassl-4380	185	11	high	high	ADJ
hassl-4380	185	12	fl	fl	PROPN
hassl-4380	185	13	can	can	AUX
hassl-4380	185	14	calculate	calculate	VERB
hassl-4380	185	15	indicators	indicator	NOUN
hassl-4380	185	16	and	and	CCONJ
hassl-4380	185	17	assess	assess	VERB
hassl-4380	185	18	financial	financial	ADJ
hassl-4380	185	19	situations	situation	NOUN
hassl-4380	185	20	more	more	ADV
hassl-4380	185	21	accurately	accurately	ADV
hassl-4380	185	22	,	,	PUNCT
hassl-4380	185	23	leading	lead	VERB
hassl-4380	185	24	to	to	ADP
hassl-4380	185	25	more	more	ADV
hassl-4380	185	26	precise	precise	ADJ
hassl-4380	185	27	i	i	PRON
hassl-4380	185	28	d.	d.	PROPN
hassl-4380	185	29	however	however	ADV
hassl-4380	185	30	,	,	PUNCT
hassl-4380	185	31	students	student	NOUN
hassl-4380	185	32	at	at	ADP
hassl-4380	185	33	all	all	DET
hassl-4380	185	34	three	three	NUM
hassl-4380	185	35	levels	level	NOUN
hassl-4380	185	36	strongly	strongly	ADV
hassl-4380	185	37	expressed	express	VERB
hassl-4380	185	38	a	a	DET
hassl-4380	185	39	desire	desire	NOUN
hassl-4380	185	40	to	to	PART
hassl-4380	185	41	invest	invest	VERB
hassl-4380	185	42	in	in	ADP
hassl-4380	185	43	order	order	NOUN
hassl-4380	185	44	to	to	PART
hassl-4380	185	45	generate	generate	VERB
hassl-4380	185	46	additional	additional	ADJ
hassl-4380	185	47	income	income	NOUN
hassl-4380	185	48	and	and	CCONJ
hassl-4380	185	49	manage	manage	VERB
hassl-4380	185	50	money	money	NOUN
hassl-4380	185	51	more	more	ADV
hassl-4380	185	52	effectively	effectively	ADV
hassl-4380	185	53	.	.	PUNCT
hassl-4380	186	1	additionally	additionally	ADV
hassl-4380	186	2	,	,	PUNCT
hassl-4380	186	3	many	many	ADJ
hassl-4380	186	4	groups	group	NOUN
hassl-4380	186	5	of	of	ADP
hassl-4380	186	6	students	student	NOUN
hassl-4380	186	7	remain	remain	VERB
hassl-4380	186	8	concerned	concerned	ADJ
hassl-4380	186	9	about	about	ADP
hassl-4380	186	10	facing	face	VERB
hassl-4380	186	11	risks	risk	NOUN
hassl-4380	186	12	when	when	SCONJ
hassl-4380	186	13	investing	invest	VERB
hassl-4380	186	14	.	.	PUNCT
hassl-4380	187	1	figure	figure	NOUN
hassl-4380	187	2	4	4	NUM
hassl-4380	187	3	.	.	PUNCT
hassl-4380	187	4	sb	sb	PROPN
hassl-4380	187	5	’s	’s	PART
hassl-4380	187	6	indicators	indicator	NOUN
hassl-4380	187	7	.	.	PUNCT
hassl-4380	188	1	humanities	humanity	NOUN
hassl-4380	188	2	and	and	CCONJ
hassl-4380	188	3	social	social	ADJ
hassl-4380	188	4	sciences	science	NOUN
hassl-4380	188	5	letters	letter	NOUN
hassl-4380	188	6	,	,	PUNCT
hassl-4380	188	7	2025	2025	NUM
hassl-4380	188	8	,	,	PUNCT
hassl-4380	188	9	13(3	13(3	NUM
hassl-4380	188	10	):	):	PUNCT
hassl-4380	188	11	1037	1037	NUM
hassl-4380	188	12	-	-	SYM
hassl-4380	188	13	1052	1052	NUM
hassl-4380	188	14	1045	1045	NUM
hassl-4380	188	15	©	©	PROPN
hassl-4380	188	16	2025	2025	NUM
hassl-4380	188	17	conscientia	conscientia	PROPN
hassl-4380	188	18	beam	beam	PROPN
hassl-4380	188	19	.	.	PUNCT
hassl-4380	189	1	all	all	DET
hassl-4380	189	2	rights	right	NOUN
hassl-4380	189	3	reserved	reserve	VERB
hassl-4380	189	4	.	.	PUNCT
hassl-4380	190	1	4.1.3	4.1.3	X
hassl-4380	190	2	.	.	PUNCT
hassl-4380	190	3	impact	impact	NOUN
hassl-4380	190	4	of	of	ADP
hassl-4380	190	5	financial	financial	ADJ
hassl-4380	190	6	literacy	literacy	NOUN
hassl-4380	190	7	on	on	ADP
hassl-4380	190	8	saving	save	VERB
hassl-4380	190	9	behavior	behavior	NOUN
hassl-4380	190	10	figure	figure	NOUN
hassl-4380	190	11	4	4	NUM
hassl-4380	190	12	shows	show	VERB
hassl-4380	190	13	the	the	DET
hassl-4380	190	14	sb	sb	PROPN
hassl-4380	190	15	's	's	PART
hassl-4380	190	16	indicators	indicator	NOUN
hassl-4380	190	17	of	of	ADP
hassl-4380	190	18	students	student	NOUN
hassl-4380	190	19	at	at	ADP
hassl-4380	190	20	three	three	NUM
hassl-4380	190	21	levels	level	NOUN
hassl-4380	190	22	of	of	ADP
hassl-4380	190	23	fl	fl	PROPN
hassl-4380	190	24	.	.	PUNCT
hassl-4380	191	1	it	it	PRON
hassl-4380	191	2	can	can	AUX
hassl-4380	191	3	be	be	AUX
hassl-4380	191	4	seen	see	VERB
hassl-4380	191	5	that	that	SCONJ
hassl-4380	191	6	students	student	NOUN
hassl-4380	191	7	at	at	ADP
hassl-4380	191	8	all	all	DET
hassl-4380	191	9	levels	level	NOUN
hassl-4380	191	10	generally	generally	ADV
hassl-4380	191	11	have	have	VERB
hassl-4380	191	12	neutral	neutral	ADJ
hassl-4380	191	13	assessments	assessment	NOUN
hassl-4380	191	14	of	of	ADP
hassl-4380	191	15	their	their	PRON
hassl-4380	191	16	saving	saving	NOUN
hassl-4380	191	17	tendencies	tendency	NOUN
hassl-4380	191	18	.	.	PUNCT
hassl-4380	192	1	specifically	specifically	ADV
hassl-4380	192	2	,	,	PUNCT
hassl-4380	192	3	students	student	NOUN
hassl-4380	192	4	with	with	ADP
hassl-4380	192	5	low	low	ADJ
hassl-4380	192	6	fl	fl	NOUN
hassl-4380	192	7	are	be	AUX
hassl-4380	192	8	more	more	ADV
hassl-4380	192	9	interested	interested	ADJ
hassl-4380	192	10	in	in	ADP
hassl-4380	192	11	saving	save	VERB
hassl-4380	192	12	and	and	CCONJ
hassl-4380	192	13	tend	tend	VERB
hassl-4380	192	14	to	to	PART
hassl-4380	192	15	maintain	maintain	VERB
hassl-4380	192	16	this	this	DET
hassl-4380	192	17	habit	habit	NOUN
hassl-4380	192	18	for	for	ADP
hassl-4380	192	19	a	a	DET
hassl-4380	192	20	long	long	ADJ
hassl-4380	192	21	time	time	NOUN
hassl-4380	192	22	.	.	PUNCT
hassl-4380	193	1	additionally	additionally	ADV
hassl-4380	193	2	,	,	PUNCT
hassl-4380	193	3	the	the	DET
hassl-4380	193	4	responses	response	NOUN
hassl-4380	193	5	indicate	indicate	VERB
hassl-4380	193	6	that	that	SCONJ
hassl-4380	193	7	most	most	ADJ
hassl-4380	193	8	students	student	NOUN
hassl-4380	193	9	usually	usually	ADV
hassl-4380	193	10	do	do	AUX
hassl-4380	193	11	not	not	PART
hassl-4380	193	12	save	save	VERB
hassl-4380	193	13	without	without	ADP
hassl-4380	193	14	specific	specific	ADJ
hassl-4380	193	15	reasons	reason	NOUN
hassl-4380	193	16	.	.	PUNCT
hassl-4380	194	1	furthermore	furthermore	ADV
hassl-4380	194	2	,	,	PUNCT
hassl-4380	194	3	the	the	DET
hassl-4380	194	4	sb	sb	PROPN
hassl-4380	194	5	of	of	ADP
hassl-4380	194	6	university	university	NOUN
hassl-4380	194	7	students	student	NOUN
hassl-4380	194	8	is	be	AUX
hassl-4380	194	9	not	not	PART
hassl-4380	194	10	significantly	significantly	ADV
hassl-4380	194	11	influenced	influence	VERB
hassl-4380	194	12	by	by	ADP
hassl-4380	194	13	social	social	ADJ
hassl-4380	194	14	trends	trend	NOUN
hassl-4380	194	15	or	or	CCONJ
hassl-4380	194	16	lifestyles	lifestyle	NOUN
hassl-4380	194	17	.	.	PUNCT
hassl-4380	195	1	figure	figure	NOUN
hassl-4380	195	2	5	5	NUM
hassl-4380	195	3	.	.	PUNCT
hassl-4380	196	1	cb	cb	PROPN
hassl-4380	196	2	’s	’s	PART
hassl-4380	196	3	indicators	indicator	NOUN
hassl-4380	196	4	.	.	PUNCT
hassl-4380	197	1	4.1.4	4.1.4	X
hassl-4380	197	2	.	.	PUNCT
hassl-4380	198	1	impact	impact	NOUN
hassl-4380	198	2	of	of	ADP
hassl-4380	198	3	financial	financial	ADJ
hassl-4380	198	4	literacy	literacy	NOUN
hassl-4380	198	5	on	on	ADP
hassl-4380	198	6	consumption	consumption	NOUN
hassl-4380	198	7	behavior	behavior	NOUN
hassl-4380	198	8	figure	figure	NOUN
hassl-4380	198	9	5	5	NUM
hassl-4380	198	10	shows	show	VERB
hassl-4380	198	11	the	the	DET
hassl-4380	198	12	results	result	NOUN
hassl-4380	198	13	of	of	ADP
hassl-4380	198	14	cb	cb	PROPN
hassl-4380	198	15	's	's	PART
hassl-4380	198	16	indicators	indicator	NOUN
hassl-4380	198	17	of	of	ADP
hassl-4380	198	18	the	the	DET
hassl-4380	198	19	students	student	NOUN
hassl-4380	198	20	participating	participate	VERB
hassl-4380	198	21	in	in	ADP
hassl-4380	198	22	the	the	DET
hassl-4380	198	23	survey	survey	NOUN
hassl-4380	198	24	.	.	PUNCT
hassl-4380	199	1	specifically	specifically	ADV
hassl-4380	199	2	,	,	PUNCT
hassl-4380	199	3	students	student	NOUN
hassl-4380	199	4	with	with	ADP
hassl-4380	199	5	a	a	DET
hassl-4380	199	6	high	high	ADJ
hassl-4380	199	7	level	level	NOUN
hassl-4380	199	8	of	of	ADP
hassl-4380	199	9	fl	fl	PRON
hassl-4380	199	10	tend	tend	VERB
hassl-4380	199	11	to	to	PART
hassl-4380	199	12	consume	consume	VERB
hassl-4380	199	13	more	more	ADV
hassl-4380	199	14	carefully	carefully	ADV
hassl-4380	199	15	and	and	CCONJ
hassl-4380	199	16	often	often	ADV
hassl-4380	199	17	consider	consider	VERB
hassl-4380	199	18	buying	buy	VERB
hassl-4380	199	19	products	product	NOUN
hassl-4380	199	20	based	base	VERB
hassl-4380	199	21	on	on	ADP
hassl-4380	199	22	personal	personal	ADJ
hassl-4380	199	23	needs	need	NOUN
hassl-4380	199	24	more	more	ADJ
hassl-4380	199	25	than	than	ADP
hassl-4380	199	26	the	the	DET
hassl-4380	199	27	other	other	ADJ
hassl-4380	199	28	two	two	NUM
hassl-4380	199	29	groups	group	NOUN
hassl-4380	199	30	,	,	PUNCT
hassl-4380	199	31	low	low	ADJ
hassl-4380	199	32	fl	fl	NOUN
hassl-4380	199	33	and	and	CCONJ
hassl-4380	199	34	average	average	ADJ
hassl-4380	199	35	fl	fl	PROPN
hassl-4380	199	36	.	.	PUNCT
hassl-4380	200	1	additionally	additionally	ADV
hassl-4380	200	2	,	,	PUNCT
hassl-4380	200	3	the	the	DET
hassl-4380	200	4	low	low	ADJ
hassl-4380	200	5	fl	fl	PROPN
hassl-4380	200	6	group	group	NOUN
hassl-4380	200	7	is	be	AUX
hassl-4380	200	8	more	more	ADV
hassl-4380	200	9	likely	likely	ADJ
hassl-4380	200	10	to	to	PART
hassl-4380	200	11	accept	accept	VERB
hassl-4380	200	12	purchasing	purchase	VERB
hassl-4380	200	13	alternative	alternative	ADJ
hassl-4380	200	14	products	product	NOUN
hassl-4380	200	15	if	if	SCONJ
hassl-4380	200	16	they	they	PRON
hassl-4380	200	17	can	can	AUX
hassl-4380	200	18	not	not	PART
hassl-4380	200	19	find	find	VERB
hassl-4380	200	20	satisfactory	satisfactory	ADJ
hassl-4380	200	21	options	option	NOUN
hassl-4380	200	22	,	,	PUNCT
hassl-4380	200	23	while	while	SCONJ
hassl-4380	200	24	the	the	DET
hassl-4380	200	25	group	group	NOUN
hassl-4380	200	26	of	of	ADP
hassl-4380	200	27	students	student	NOUN
hassl-4380	200	28	with	with	ADP
hassl-4380	200	29	an	an	DET
hassl-4380	200	30	average	average	ADJ
hassl-4380	200	31	fl	fl	NOUN
hassl-4380	200	32	tends	tend	VERB
hassl-4380	200	33	to	to	PART
hassl-4380	200	34	buy	buy	VERB
hassl-4380	200	35	products	product	NOUN
hassl-4380	200	36	spontaneously	spontaneously	ADV
hassl-4380	200	37	without	without	ADP
hassl-4380	200	38	much	much	ADJ
hassl-4380	200	39	consideration	consideration	NOUN
hassl-4380	200	40	.	.	PUNCT
hassl-4380	201	1	4.2	4.2	NUM
hassl-4380	201	2	.	.	PUNCT
hassl-4380	201	3	discussions	discussion	NOUN
hassl-4380	201	4	based	base	VERB
hassl-4380	201	5	on	on	ADP
hassl-4380	201	6	the	the	DET
hassl-4380	201	7	results	result	NOUN
hassl-4380	201	8	,	,	PUNCT
hassl-4380	201	9	the	the	DET
hassl-4380	201	10	hypotheses	hypothesis	NOUN
hassl-4380	201	11	are	be	AUX
hassl-4380	201	12	concluded	conclude	VERB
hassl-4380	201	13	as	as	SCONJ
hassl-4380	201	14	follows	follow	VERB
hassl-4380	201	15	:	:	PUNCT
hassl-4380	201	16	table	table	NOUN
hassl-4380	201	17	5	5	NUM
hassl-4380	201	18	.	.	PUNCT
hassl-4380	201	19	hypothetical	hypothetical	ADJ
hassl-4380	201	20	conclusion	conclusion	NOUN
hassl-4380	201	21	.	.	PUNCT
hassl-4380	202	1	hypothesis	hypothesis	NOUN
hassl-4380	202	2	statement	statement	NOUN
hassl-4380	202	3	result	result	VERB
hassl-4380	202	4	h1	h1	PROPN
hassl-4380	202	5	:	:	PUNCT
hassl-4380	202	6	fl	fl	PROPN
hassl-4380	202	7	has	have	VERB
hassl-4380	202	8	a	a	DET
hassl-4380	202	9	positive	positive	ADJ
hassl-4380	202	10	impact	impact	NOUN
hassl-4380	202	11	on	on	ADP
hassl-4380	202	12	the	the	DET
hassl-4380	202	13	i	i	PROPN
hassl-4380	202	14	d	d	PROPN
hassl-4380	202	15	of	of	ADP
hassl-4380	202	16	university	university	NOUN
hassl-4380	202	17	students	student	NOUN
hassl-4380	202	18	in	in	ADP
hassl-4380	202	19	hanoi	hanoi	PROPN
hassl-4380	202	20	city	city	PROPN
hassl-4380	202	21	.	.	PUNCT
hassl-4380	203	1	accepted	accept	VERB
hassl-4380	203	2	h2	h2	NOUN
hassl-4380	203	3	:	:	PUNCT
hassl-4380	203	4	fl	fl	PROPN
hassl-4380	203	5	has	have	VERB
hassl-4380	203	6	a	a	DET
hassl-4380	203	7	positive	positive	ADJ
hassl-4380	203	8	impact	impact	NOUN
hassl-4380	203	9	on	on	ADP
hassl-4380	203	10	the	the	DET
hassl-4380	203	11	sb	sb	PROPN
hassl-4380	203	12	of	of	ADP
hassl-4380	203	13	university	university	NOUN
hassl-4380	203	14	students	student	NOUN
hassl-4380	203	15	in	in	ADP
hassl-4380	203	16	hanoi	hanoi	PROPN
hassl-4380	203	17	city	city	PROPN
hassl-4380	203	18	.	.	PUNCT
hassl-4380	204	1	accepted	accept	VERB
hassl-4380	204	2	h3	h3	NOUN
hassl-4380	204	3	:	:	PUNCT
hassl-4380	204	4	fl	fl	PROPN
hassl-4380	204	5	has	have	VERB
hassl-4380	204	6	a	a	DET
hassl-4380	204	7	positive	positive	ADJ
hassl-4380	204	8	impact	impact	NOUN
hassl-4380	204	9	on	on	ADP
hassl-4380	204	10	the	the	DET
hassl-4380	204	11	cb	cb	PROPN
hassl-4380	204	12	of	of	ADP
hassl-4380	204	13	university	university	NOUN
hassl-4380	204	14	students	student	NOUN
hassl-4380	204	15	in	in	ADP
hassl-4380	204	16	hanoi	hanoi	PROPN
hassl-4380	204	17	city	city	PROPN
hassl-4380	204	18	.	.	PUNCT
hassl-4380	205	1	accepted	accept	VERB
hassl-4380	205	2	table	table	NOUN
hassl-4380	205	3	5	5	NUM
hassl-4380	205	4	presents	present	VERB
hassl-4380	205	5	the	the	DET
hassl-4380	205	6	summary	summary	NOUN
hassl-4380	205	7	of	of	ADP
hassl-4380	205	8	hypothesis	hypothesis	NOUN
hassl-4380	205	9	testing	testing	NOUN
hassl-4380	205	10	results	result	NOUN
hassl-4380	205	11	.	.	PUNCT
hassl-4380	206	1	all	all	DET
hassl-4380	206	2	three	three	NUM
hassl-4380	206	3	proposed	propose	VERB
hassl-4380	206	4	hypotheses	hypothesis	NOUN
hassl-4380	206	5	are	be	AUX
hassl-4380	206	6	accepted	accept	VERB
hassl-4380	206	7	,	,	PUNCT
hassl-4380	206	8	indicating	indicate	VERB
hassl-4380	206	9	that	that	SCONJ
hassl-4380	206	10	financial	financial	ADJ
hassl-4380	206	11	literacy	literacy	NOUN
hassl-4380	206	12	has	have	VERB
hassl-4380	206	13	a	a	DET
hassl-4380	206	14	statistically	statistically	ADV
hassl-4380	206	15	significant	significant	ADJ
hassl-4380	206	16	and	and	CCONJ
hassl-4380	206	17	positive	positive	ADJ
hassl-4380	206	18	influence	influence	NOUN
hassl-4380	206	19	on	on	ADP
hassl-4380	206	20	investment	investment	NOUN
hassl-4380	206	21	decisions	decision	NOUN
hassl-4380	206	22	,	,	PUNCT
hassl-4380	206	23	saving	save	VERB
hassl-4380	206	24	behavior	behavior	NOUN
hassl-4380	206	25	,	,	PUNCT
hassl-4380	206	26	and	and	CCONJ
hassl-4380	206	27	consumption	consumption	NOUN
hassl-4380	206	28	behavior	behavior	NOUN
hassl-4380	206	29	among	among	ADP
hassl-4380	206	30	university	university	NOUN
hassl-4380	206	31	students	student	NOUN
hassl-4380	206	32	in	in	ADP
hassl-4380	206	33	hanoi	hanoi	PROPN
hassl-4380	206	34	,	,	PUNCT
hassl-4380	206	35	vietnam	vietnam	PROPN
hassl-4380	206	36	.	.	PUNCT
hassl-4380	207	1	these	these	DET
hassl-4380	207	2	findings	finding	NOUN
hassl-4380	207	3	confirm	confirm	VERB
hassl-4380	207	4	the	the	DET
hassl-4380	207	5	pivotal	pivotal	ADJ
hassl-4380	207	6	role	role	NOUN
hassl-4380	207	7	of	of	ADP
hassl-4380	207	8	financial	financial	ADJ
hassl-4380	207	9	literacy	literacy	NOUN
hassl-4380	207	10	in	in	ADP
hassl-4380	207	11	shaping	shape	VERB
hassl-4380	207	12	students	student	NOUN
hassl-4380	207	13	'	'	PART
hassl-4380	207	14	financial	financial	ADJ
hassl-4380	207	15	actions	action	NOUN
hassl-4380	207	16	across	across	ADP
hassl-4380	207	17	multiple	multiple	ADJ
hassl-4380	207	18	dimensions	dimension	NOUN
hassl-4380	207	19	.	.	PUNCT
hassl-4380	208	1	humanities	humanity	NOUN
hassl-4380	208	2	and	and	CCONJ
hassl-4380	208	3	social	social	ADJ
hassl-4380	208	4	sciences	science	NOUN
hassl-4380	208	5	letters	letter	NOUN
hassl-4380	208	6	,	,	PUNCT
hassl-4380	208	7	2025	2025	NUM
hassl-4380	208	8	,	,	PUNCT
hassl-4380	208	9	13(3	13(3	NUM
hassl-4380	208	10	):	):	PUNCT
hassl-4380	208	11	1037	1037	NUM
hassl-4380	208	12	-	-	SYM
hassl-4380	208	13	1052	1052	NUM
hassl-4380	208	14	1046	1046	NUM
hassl-4380	208	15	©	©	PROPN
hassl-4380	208	16	2025	2025	NUM
hassl-4380	208	17	conscientia	conscientia	PROPN
hassl-4380	208	18	beam	beam	PROPN
hassl-4380	208	19	.	.	PUNCT
hassl-4380	209	1	all	all	DET
hassl-4380	209	2	rights	right	NOUN
hassl-4380	209	3	reserved	reserve	VERB
hassl-4380	209	4	.	.	PUNCT
hassl-4380	210	1	4.2.1	4.2.1	NOUN
hassl-4380	210	2	.	.	PUNCT
hassl-4380	211	1	impact	impact	NOUN
hassl-4380	211	2	of	of	ADP
hassl-4380	211	3	financial	financial	ADJ
hassl-4380	211	4	literacy	literacy	NOUN
hassl-4380	211	5	on	on	ADP
hassl-4380	211	6	investment	investment	NOUN
hassl-4380	211	7	decisions	decision	NOUN
hassl-4380	211	8	the	the	DET
hassl-4380	211	9	research	research	NOUN
hassl-4380	211	10	results	result	VERB
hassl-4380	211	11	present	present	ADJ
hassl-4380	211	12	that	that	SCONJ
hassl-4380	211	13	higher	high	ADJ
hassl-4380	211	14	fl	fl	NOUN
hassl-4380	211	15	and	and	CCONJ
hassl-4380	211	16	higher	high	ADJ
hassl-4380	211	17	i	i	PROPN
hassl-4380	211	18	d	d	PROPN
hassl-4380	211	19	for	for	ADP
hassl-4380	211	20	research	research	NOUN
hassl-4380	211	21	subjects	subject	NOUN
hassl-4380	211	22	are	be	AUX
hassl-4380	211	23	university	university	NOUN
hassl-4380	211	24	students	student	NOUN
hassl-4380	211	25	in	in	ADP
hassl-4380	211	26	hanoi	hanoi	PROPN
hassl-4380	211	27	city	city	NOUN
hassl-4380	211	28	,	,	PUNCT
hassl-4380	211	29	and	and	CCONJ
hassl-4380	211	30	it	it	PRON
hassl-4380	211	31	is	be	AUX
hassl-4380	211	32	similar	similar	ADJ
hassl-4380	211	33	to	to	ADP
hassl-4380	211	34	many	many	ADJ
hassl-4380	211	35	previous	previous	ADJ
hassl-4380	211	36	studies	study	NOUN
hassl-4380	211	37	.	.	PUNCT
hassl-4380	212	1	in	in	ADP
hassl-4380	212	2	particular	particular	ADJ
hassl-4380	212	3	,	,	PUNCT
hassl-4380	212	4	according	accord	VERB
hassl-4380	212	5	to	to	ADP
hassl-4380	212	6	awais	awais	PROPN
hassl-4380	212	7	et	et	PROPN
hassl-4380	212	8	al	al	PROPN
hassl-4380	212	9	.	.	PUNCT
hassl-4380	212	10	(	(	PUNCT
hassl-4380	212	11	2016	2016	NUM
hassl-4380	212	12	)	)	PUNCT
hassl-4380	212	13	,	,	PUNCT
hassl-4380	212	14	fl	fl	PROPN
hassl-4380	212	15	emphasizes	emphasize	VERB
hassl-4380	212	16	the	the	DET
hassl-4380	212	17	positive	positive	ADJ
hassl-4380	212	18	correlation	correlation	NOUN
hassl-4380	212	19	between	between	ADP
hassl-4380	212	20	fl	fl	NOUN
hassl-4380	212	21	and	and	CCONJ
hassl-4380	212	22	investment	investment	NOUN
hassl-4380	212	23	decision	decision	NOUN
hassl-4380	212	24	-	-	PUNCT
hassl-4380	212	25	making	making	NOUN
hassl-4380	212	26	in	in	ADP
hassl-4380	212	27	young	young	ADJ
hassl-4380	212	28	people	people	NOUN
hassl-4380	212	29	.	.	PUNCT
hassl-4380	213	1	study	study	NOUN
hassl-4380	213	2	of	of	ADP
hassl-4380	213	3	williams	williams	PROPN
hassl-4380	213	4	and	and	CCONJ
hassl-4380	213	5	oumlil	oumlil	PROPN
hassl-4380	213	6	(	(	PUNCT
hassl-4380	213	7	2015	2015	NUM
hassl-4380	213	8	)	)	PUNCT
hassl-4380	213	9	proved	prove	VERB
hassl-4380	213	10	that	that	SCONJ
hassl-4380	213	11	strong	strong	ADJ
hassl-4380	213	12	fl	fl	NOUN
hassl-4380	213	13	has	have	VERB
hassl-4380	213	14	a	a	DET
hassl-4380	213	15	positive	positive	ADJ
hassl-4380	213	16	impact	impact	NOUN
hassl-4380	213	17	on	on	ADP
hassl-4380	213	18	wise	wise	ADJ
hassl-4380	213	19	i	i	PROPN
hassl-4380	213	20	d	d	PROPN
hassl-4380	213	21	for	for	ADP
hassl-4380	213	22	young	young	ADJ
hassl-4380	213	23	people	people	NOUN
hassl-4380	213	24	.	.	PUNCT
hassl-4380	214	1	moreover	moreover	ADV
hassl-4380	214	2	,	,	PUNCT
hassl-4380	214	3	kumari	kumari	PROPN
hassl-4380	214	4	's	's	PART
hassl-4380	214	5	(	(	PUNCT
hassl-4380	214	6	2020	2020	NUM
hassl-4380	214	7	)	)	PUNCT
hassl-4380	214	8	research	research	NOUN
hassl-4380	214	9	on	on	ADP
hassl-4380	214	10	fl	fl	NUM
hassl-4380	214	11	affecting	affect	VERB
hassl-4380	214	12	i	i	PRON
hassl-4380	214	13	d	d	PROPN
hassl-4380	214	14	of	of	ADP
hassl-4380	214	15	university	university	NOUN
hassl-4380	214	16	students	student	NOUN
hassl-4380	214	17	shows	show	VERB
hassl-4380	214	18	the	the	DET
hassl-4380	214	19	necessary	necessary	ADJ
hassl-4380	214	20	importance	importance	NOUN
hassl-4380	214	21	of	of	ADP
hassl-4380	214	22	improving	improve	VERB
hassl-4380	214	23	fl	fl	NOUN
hassl-4380	214	24	and	and	CCONJ
hassl-4380	214	25	highlights	highlight	NOUN
hassl-4380	214	26	the	the	DET
hassl-4380	214	27	lack	lack	NOUN
hassl-4380	214	28	of	of	ADP
hassl-4380	214	29	fl	fl	PROPN
hassl-4380	214	30	,	,	PUNCT
hassl-4380	214	31	which	which	PRON
hassl-4380	214	32	causes	cause	VERB
hassl-4380	214	33	students	student	NOUN
hassl-4380	214	34	to	to	PART
hassl-4380	214	35	pay	pay	VERB
hassl-4380	214	36	more	more	ADJ
hassl-4380	214	37	attention	attention	NOUN
hassl-4380	214	38	to	to	ADP
hassl-4380	214	39	i	i	PROPN
hassl-4380	214	40	d.	d.	PROPN
hassl-4380	214	41	therefore	therefore	ADV
hassl-4380	214	42	,	,	PUNCT
hassl-4380	214	43	the	the	DET
hassl-4380	214	44	importance	importance	NOUN
hassl-4380	214	45	of	of	ADP
hassl-4380	214	46	fl	fl	PRON
hassl-4380	214	47	for	for	ADP
hassl-4380	214	48	students	student	NOUN
hassl-4380	214	49	'	'	PART
hassl-4380	214	50	i	i	PROPN
hassl-4380	214	51	d	d	PROPN
hassl-4380	214	52	can	can	AUX
hassl-4380	214	53	be	be	AUX
hassl-4380	214	54	observed	observe	VERB
hassl-4380	214	55	.	.	PUNCT
hassl-4380	215	1	specifically	specifically	ADV
hassl-4380	215	2	,	,	PUNCT
hassl-4380	215	3	statements	statement	NOUN
hassl-4380	215	4	related	relate	VERB
hassl-4380	215	5	to	to	ADP
hassl-4380	215	6	students	student	NOUN
hassl-4380	215	7	investing	invest	VERB
hassl-4380	215	8	due	due	ADP
hassl-4380	215	9	to	to	ADP
hassl-4380	215	10	the	the	DET
hassl-4380	215	11	influence	influence	NOUN
hassl-4380	215	12	of	of	ADP
hassl-4380	215	13	surrounding	surround	VERB
hassl-4380	215	14	individuals	individual	NOUN
hassl-4380	215	15	can	can	AUX
hassl-4380	215	16	easily	easily	ADV
hassl-4380	215	17	affect	affect	VERB
hassl-4380	215	18	them	they	PRON
hassl-4380	215	19	to	to	PART
hassl-4380	215	20	invest	invest	VERB
hassl-4380	215	21	,	,	PUNCT
hassl-4380	215	22	or	or	CCONJ
hassl-4380	215	23	students	student	NOUN
hassl-4380	215	24	may	may	AUX
hassl-4380	215	25	still	still	ADV
hassl-4380	215	26	be	be	AUX
hassl-4380	215	27	afraid	afraid	ADJ
hassl-4380	215	28	of	of	ADP
hassl-4380	215	29	risks	risk	NOUN
hassl-4380	215	30	,	,	PUNCT
hassl-4380	215	31	so	so	SCONJ
hassl-4380	215	32	they	they	PRON
hassl-4380	215	33	need	need	VERB
hassl-4380	215	34	to	to	PART
hassl-4380	215	35	focus	focus	VERB
hassl-4380	215	36	on	on	ADP
hassl-4380	215	37	constructing	construct	VERB
hassl-4380	215	38	safe	safe	ADJ
hassl-4380	215	39	investment	investment	NOUN
hassl-4380	215	40	channels	channel	NOUN
hassl-4380	215	41	to	to	PART
hassl-4380	215	42	feel	feel	VERB
hassl-4380	215	43	secure	secure	ADJ
hassl-4380	215	44	in	in	ADP
hassl-4380	215	45	investing	invest	VERB
hassl-4380	215	46	and	and	CCONJ
hassl-4380	215	47	earning	earn	VERB
hassl-4380	215	48	the	the	DET
hassl-4380	215	49	profits	profit	NOUN
hassl-4380	215	50	they	they	PRON
hassl-4380	215	51	desire	desire	VERB
hassl-4380	215	52	.	.	PUNCT
hassl-4380	216	1	regarding	regard	VERB
hassl-4380	216	2	investment	investment	NOUN
hassl-4380	216	3	influenced	influence	VERB
hassl-4380	216	4	by	by	ADP
hassl-4380	216	5	people	people	NOUN
hassl-4380	216	6	around	around	ADV
hassl-4380	216	7	,	,	PUNCT
hassl-4380	216	8	research	research	NOUN
hassl-4380	216	9	by	by	ADP
hassl-4380	216	10	phung	phung	PROPN
hassl-4380	216	11	,	,	PUNCT
hassl-4380	216	12	tran	tran	PROPN
hassl-4380	216	13	,	,	PUNCT
hassl-4380	216	14	nguyen‐hoang	nguyen‐hoang	PROPN
hassl-4380	216	15	,	,	PUNCT
hassl-4380	216	16	nguyen	nguyen	NOUN
hassl-4380	216	17	,	,	PUNCT
hassl-4380	216	18	and	and	CCONJ
hassl-4380	216	19	nguyen	nguyen	NOUN
hassl-4380	216	20	(	(	PUNCT
hassl-4380	216	21	2023	2023	NUM
hassl-4380	216	22	)	)	PUNCT
hassl-4380	216	23	conducted	conduct	VERB
hassl-4380	216	24	on	on	ADP
hassl-4380	216	25	206	206	NUM
hassl-4380	216	26	individual	individual	ADJ
hassl-4380	216	27	investors	investor	NOUN
hassl-4380	216	28	in	in	ADP
hassl-4380	216	29	hanoi	hanoi	PROPN
hassl-4380	216	30	showed	show	VERB
hassl-4380	216	31	that	that	SCONJ
hassl-4380	216	32	when	when	SCONJ
hassl-4380	216	33	deciding	decide	VERB
hassl-4380	216	34	to	to	PART
hassl-4380	216	35	invest	invest	VERB
hassl-4380	216	36	,	,	PUNCT
hassl-4380	216	37	individuals	individual	NOUN
hassl-4380	216	38	are	be	AUX
hassl-4380	216	39	influenced	influence	VERB
hassl-4380	216	40	by	by	ADP
hassl-4380	216	41	many	many	ADJ
hassl-4380	216	42	factors	factor	NOUN
hassl-4380	216	43	,	,	PUNCT
hassl-4380	216	44	especially	especially	ADV
hassl-4380	216	45	market	market	NOUN
hassl-4380	216	46	psychology	psychology	NOUN
hassl-4380	216	47	.	.	PUNCT
hassl-4380	217	1	besides	besides	SCONJ
hassl-4380	217	2	,	,	PUNCT
hassl-4380	217	3	students	student	NOUN
hassl-4380	217	4	are	be	AUX
hassl-4380	217	5	small	small	ADJ
hassl-4380	217	6	investors	investor	NOUN
hassl-4380	217	7	due	due	ADP
hassl-4380	217	8	to	to	ADP
hassl-4380	217	9	low	low	ADJ
hassl-4380	217	10	investment	investment	NOUN
hassl-4380	217	11	capital	capital	NOUN
hassl-4380	217	12	,	,	PUNCT
hassl-4380	217	13	so	so	ADV
hassl-4380	217	14	they	they	PRON
hassl-4380	217	15	tend	tend	VERB
hassl-4380	217	16	to	to	PART
hassl-4380	217	17	follow	follow	VERB
hassl-4380	217	18	the	the	DET
hassl-4380	217	19	crowd	crowd	NOUN
hassl-4380	217	20	of	of	ADP
hassl-4380	217	21	predecessors	predecessor	NOUN
hassl-4380	217	22	because	because	SCONJ
hassl-4380	217	23	they	they	PRON
hassl-4380	217	24	believe	believe	VERB
hassl-4380	217	25	that	that	SCONJ
hassl-4380	217	26	those	those	DET
hassl-4380	217	27	investors	investor	NOUN
hassl-4380	217	28	possess	possess	VERB
hassl-4380	217	29	a	a	DET
hassl-4380	217	30	lot	lot	NOUN
hassl-4380	217	31	of	of	ADP
hassl-4380	217	32	information	information	NOUN
hassl-4380	217	33	(	(	PUNCT
hassl-4380	217	34	nguyen	nguyen	NOUN
hassl-4380	217	35	,	,	PUNCT
hassl-4380	217	36	nguyen	nguyen	NOUN
hassl-4380	217	37	,	,	PUNCT
hassl-4380	217	38	&	&	CCONJ
hassl-4380	217	39	vu	vu	PROPN
hassl-4380	217	40	,	,	PUNCT
hassl-4380	217	41	2024	2024	NUM
hassl-4380	217	42	)	)	PUNCT
hassl-4380	217	43	.	.	PUNCT
hassl-4380	218	1	moreover	moreover	ADV
hassl-4380	218	2	,	,	PUNCT
hassl-4380	218	3	risk	risk	NOUN
hassl-4380	218	4	aversion	aversion	NOUN
hassl-4380	218	5	was	be	AUX
hassl-4380	218	6	proven	prove	VERB
hassl-4380	218	7	to	to	PART
hassl-4380	218	8	influence	influence	VERB
hassl-4380	218	9	individual	individual	ADJ
hassl-4380	218	10	decisionmaking	decisionmaking	NOUN
hassl-4380	218	11	,	,	PUNCT
hassl-4380	218	12	such	such	ADJ
hassl-4380	218	13	as	as	ADP
hassl-4380	218	14	fear	fear	NOUN
hassl-4380	218	15	of	of	ADP
hassl-4380	218	16	loss	loss	NOUN
hassl-4380	218	17	and	and	CCONJ
hassl-4380	218	18	regret	regret	NOUN
hassl-4380	218	19	(	(	PUNCT
hassl-4380	218	20	ton	ton	PROPN
hassl-4380	218	21	&	&	CCONJ
hassl-4380	218	22	dao	dao	PROPN
hassl-4380	218	23	,	,	PUNCT
hassl-4380	218	24	2014	2014	NUM
hassl-4380	218	25	)	)	PUNCT
hassl-4380	218	26	.	.	PUNCT
hassl-4380	219	1	regarding	regard	VERB
hassl-4380	219	2	the	the	DET
hassl-4380	219	3	ability	ability	NOUN
hassl-4380	219	4	to	to	PART
hassl-4380	219	5	accept	accept	VERB
hassl-4380	219	6	risks	risk	NOUN
hassl-4380	219	7	when	when	SCONJ
hassl-4380	219	8	investing	investing	NOUN
hassl-4380	219	9	,	,	PUNCT
hassl-4380	219	10	university	university	NOUN
hassl-4380	219	11	students	student	NOUN
hassl-4380	219	12	in	in	ADP
hassl-4380	219	13	hanoi	hanoi	PROPN
hassl-4380	219	14	are	be	AUX
hassl-4380	219	15	concerned	concerned	ADJ
hassl-4380	219	16	about	about	ADP
hassl-4380	219	17	investing	invest	VERB
hassl-4380	219	18	.	.	PUNCT
hassl-4380	220	1	a	a	DET
hassl-4380	220	2	study	study	NOUN
hassl-4380	220	3	by	by	ADP
hassl-4380	220	4	mubaraq	mubaraq	PROPN
hassl-4380	220	5	,	,	PUNCT
hassl-4380	220	6	anshori	anshori	NOUN
hassl-4380	220	7	,	,	PUNCT
hassl-4380	220	8	and	and	CCONJ
hassl-4380	220	9	trihatmoko	trihatmoko	NOUN
hassl-4380	220	10	(	(	PUNCT
hassl-4380	220	11	2021	2021	NUM
hassl-4380	220	12	)	)	PUNCT
hassl-4380	220	13	indicated	indicate	VERB
hassl-4380	220	14	that	that	SCONJ
hassl-4380	220	15	the	the	DET
hassl-4380	220	16	level	level	NOUN
hassl-4380	220	17	of	of	ADP
hassl-4380	220	18	risk	risk	NOUN
hassl-4380	220	19	tolerance	tolerance	NOUN
hassl-4380	220	20	partially	partially	ADV
hassl-4380	220	21	influences	influence	VERB
hassl-4380	220	22	an	an	DET
hassl-4380	220	23	individual	individual	NOUN
hassl-4380	220	24	's	's	PART
hassl-4380	220	25	investment	investment	NOUN
hassl-4380	220	26	decision	decision	NOUN
hassl-4380	220	27	-	-	PUNCT
hassl-4380	220	28	making	making	NOUN
hassl-4380	220	29	.	.	PUNCT
hassl-4380	221	1	furthermore	furthermore	ADV
hassl-4380	221	2	,	,	PUNCT
hassl-4380	221	3	falahati	falahati	ADV
hassl-4380	221	4	and	and	CCONJ
hassl-4380	221	5	paim	paim	NOUN
hassl-4380	221	6	(	(	PUNCT
hassl-4380	221	7	2012	2012	NUM
hassl-4380	221	8	)	)	PUNCT
hassl-4380	221	9	showed	show	VERB
hassl-4380	221	10	that	that	SCONJ
hassl-4380	221	11	the	the	DET
hassl-4380	221	12	ability	ability	NOUN
hassl-4380	221	13	to	to	PART
hassl-4380	221	14	accept	accept	VERB
hassl-4380	221	15	investment	investment	NOUN
hassl-4380	221	16	risks	risk	NOUN
hassl-4380	221	17	tends	tend	VERB
hassl-4380	221	18	to	to	PART
hassl-4380	221	19	increase	increase	VERB
hassl-4380	221	20	with	with	ADP
hassl-4380	221	21	gender	gender	NOUN
hassl-4380	221	22	and	and	CCONJ
hassl-4380	221	23	age	age	NOUN
hassl-4380	221	24	.	.	PUNCT
hassl-4380	222	1	it	it	PRON
hassl-4380	222	2	can	can	AUX
hassl-4380	222	3	be	be	AUX
hassl-4380	222	4	understood	understand	VERB
hassl-4380	222	5	that	that	SCONJ
hassl-4380	222	6	generation	generation	NOUN
hassl-4380	222	7	z	z	PROPN
hassl-4380	222	8	university	university	NOUN
hassl-4380	222	9	students	student	NOUN
hassl-4380	222	10	are	be	AUX
hassl-4380	222	11	young	young	ADJ
hassl-4380	222	12	,	,	PUNCT
hassl-4380	222	13	so	so	SCONJ
hassl-4380	222	14	their	their	PRON
hassl-4380	222	15	ability	ability	NOUN
hassl-4380	222	16	to	to	PART
hassl-4380	222	17	accept	accept	VERB
hassl-4380	222	18	risks	risk	NOUN
hassl-4380	222	19	is	be	AUX
hassl-4380	222	20	relatively	relatively	ADV
hassl-4380	222	21	low	low	ADJ
hassl-4380	222	22	because	because	SCONJ
hassl-4380	222	23	they	they	PRON
hassl-4380	222	24	lack	lack	VERB
hassl-4380	222	25	the	the	DET
hassl-4380	222	26	knowledge	knowledge	NOUN
hassl-4380	222	27	and	and	CCONJ
hassl-4380	222	28	experience	experience	NOUN
hassl-4380	222	29	of	of	ADP
hassl-4380	222	30	older	old	ADJ
hassl-4380	222	31	age	age	NOUN
hassl-4380	222	32	groups	group	NOUN
hassl-4380	222	33	.	.	PUNCT
hassl-4380	223	1	4.2.2	4.2.2	X
hassl-4380	223	2	.	.	PUNCT
hassl-4380	223	3	impact	impact	NOUN
hassl-4380	223	4	of	of	ADP
hassl-4380	223	5	financial	financial	ADJ
hassl-4380	223	6	literacy	literacy	NOUN
hassl-4380	223	7	on	on	ADP
hassl-4380	223	8	saving	save	VERB
hassl-4380	223	9	behavior	behavior	NOUN
hassl-4380	223	10	the	the	DET
hassl-4380	223	11	findings	finding	NOUN
hassl-4380	223	12	of	of	ADP
hassl-4380	223	13	the	the	DET
hassl-4380	223	14	study	study	NOUN
hassl-4380	223	15	provide	provide	VERB
hassl-4380	223	16	additional	additional	ADJ
hassl-4380	223	17	confirmation	confirmation	NOUN
hassl-4380	223	18	of	of	ADP
hassl-4380	223	19	the	the	DET
hassl-4380	223	20	conclusions	conclusion	NOUN
hassl-4380	223	21	drawn	draw	VERB
hassl-4380	223	22	in	in	ADP
hassl-4380	223	23	prior	prior	ADJ
hassl-4380	223	24	research	research	NOUN
hassl-4380	223	25	.	.	PUNCT
hassl-4380	224	1	students	student	NOUN
hassl-4380	224	2	at	at	ADP
hassl-4380	224	3	all	all	DET
hassl-4380	224	4	levels	level	NOUN
hassl-4380	224	5	of	of	ADP
hassl-4380	224	6	fl	fl	PRON
hassl-4380	224	7	tend	tend	VERB
hassl-4380	224	8	to	to	PART
hassl-4380	224	9	prioritize	prioritize	AUX
hassl-4380	224	10	saving	save	VERB
hassl-4380	224	11	when	when	SCONJ
hassl-4380	224	12	they	they	PRON
hassl-4380	224	13	have	have	VERB
hassl-4380	224	14	a	a	DET
hassl-4380	224	15	clear	clear	ADJ
hassl-4380	224	16	purpose	purpose	NOUN
hassl-4380	224	17	or	or	CCONJ
hassl-4380	224	18	goal	goal	NOUN
hassl-4380	224	19	in	in	ADP
hassl-4380	224	20	mind	mind	NOUN
hassl-4380	224	21	,	,	PUNCT
hassl-4380	224	22	rather	rather	ADV
hassl-4380	224	23	than	than	ADP
hassl-4380	224	24	simply	simply	ADV
hassl-4380	224	25	following	follow	VERB
hassl-4380	224	26	prevailing	prevail	VERB
hassl-4380	224	27	trends	trend	NOUN
hassl-4380	224	28	or	or	CCONJ
hassl-4380	224	29	lifestyles	lifestyle	NOUN
hassl-4380	224	30	.	.	PUNCT
hassl-4380	225	1	mandell	mandell	PROPN
hassl-4380	225	2	and	and	CCONJ
hassl-4380	225	3	klein	klein	PROPN
hassl-4380	225	4	's	's	PART
hassl-4380	225	5	(	(	PUNCT
hassl-4380	225	6	2009	2009	NUM
hassl-4380	225	7	)	)	PUNCT
hassl-4380	225	8	investigation	investigation	NOUN
hassl-4380	225	9	into	into	ADP
hassl-4380	225	10	the	the	DET
hassl-4380	225	11	influence	influence	NOUN
hassl-4380	225	12	of	of	ADP
hassl-4380	225	13	fl	fl	PROPN
hassl-4380	225	14	on	on	ADP
hassl-4380	225	15	financial	financial	ADJ
hassl-4380	225	16	conduct	conduct	NOUN
hassl-4380	225	17	similarly	similarly	ADV
hassl-4380	225	18	revealed	reveal	VERB
hassl-4380	225	19	comparable	comparable	ADJ
hassl-4380	225	20	outcomes	outcome	NOUN
hassl-4380	225	21	,	,	PUNCT
hassl-4380	225	22	indicating	indicate	VERB
hassl-4380	225	23	that	that	SCONJ
hassl-4380	225	24	students	student	NOUN
hassl-4380	225	25	exhibited	exhibit	VERB
hassl-4380	225	26	savings	saving	NOUN
hassl-4380	225	27	habits	habit	NOUN
hassl-4380	225	28	but	but	CCONJ
hassl-4380	225	29	were	be	AUX
hassl-4380	225	30	not	not	PART
hassl-4380	225	31	outstanding	outstanding	ADJ
hassl-4380	225	32	.	.	PUNCT
hassl-4380	226	1	accordingly	accordingly	ADV
hassl-4380	226	2	,	,	PUNCT
hassl-4380	226	3	both	both	PRON
hassl-4380	226	4	participants	participant	NOUN
hassl-4380	226	5	and	and	CCONJ
hassl-4380	226	6	non	non	NOUN
hassl-4380	226	7	-	-	NOUN
hassl-4380	226	8	participants	participant	NOUN
hassl-4380	226	9	in	in	ADP
hassl-4380	226	10	the	the	DET
hassl-4380	226	11	finance	finance	NOUN
hassl-4380	226	12	course	course	NOUN
hassl-4380	226	13	demonstrated	demonstrate	VERB
hassl-4380	226	14	a	a	DET
hassl-4380	226	15	moderate	moderate	ADJ
hassl-4380	226	16	level	level	NOUN
hassl-4380	226	17	of	of	ADP
hassl-4380	226	18	sb	sb	PROPN
hassl-4380	226	19	.	.	PROPN
hassl-4380	226	20	similarly	similarly	ADV
hassl-4380	226	21	,	,	PUNCT
hassl-4380	226	22	the	the	DET
hassl-4380	226	23	findings	finding	NOUN
hassl-4380	226	24	from	from	ADP
hassl-4380	226	25	jappelli	jappelli	PROPN
hassl-4380	226	26	and	and	CCONJ
hassl-4380	226	27	padula	padula	NOUN
hassl-4380	226	28	's	's	PART
hassl-4380	226	29	(	(	PUNCT
hassl-4380	226	30	2013	2013	NUM
hassl-4380	226	31	)	)	PUNCT
hassl-4380	226	32	study	study	NOUN
hassl-4380	226	33	suggest	suggest	VERB
hassl-4380	226	34	that	that	SCONJ
hassl-4380	226	35	fl	fl	PROPN
hassl-4380	226	36	has	have	VERB
hassl-4380	226	37	a	a	DET
hassl-4380	226	38	limited	limited	ADJ
hassl-4380	226	39	effect	effect	NOUN
hassl-4380	226	40	on	on	ADP
hassl-4380	226	41	saving	save	VERB
hassl-4380	226	42	habits	habit	NOUN
hassl-4380	226	43	.	.	PUNCT
hassl-4380	227	1	additionally	additionally	ADV
hassl-4380	227	2	,	,	PUNCT
hassl-4380	227	3	students	student	NOUN
hassl-4380	227	4	with	with	ADP
hassl-4380	227	5	less	less	ADJ
hassl-4380	227	6	fl	fl	NOUN
hassl-4380	227	7	are	be	AUX
hassl-4380	227	8	more	more	ADV
hassl-4380	227	9	likely	likely	ADJ
hassl-4380	227	10	to	to	PART
hassl-4380	227	11	keep	keep	VERB
hassl-4380	227	12	their	their	PRON
hassl-4380	227	13	saving	saving	NOUN
hassl-4380	227	14	habits	habit	NOUN
hassl-4380	227	15	.	.	PUNCT
hassl-4380	228	1	this	this	PRON
hassl-4380	228	2	can	can	AUX
hassl-4380	228	3	be	be	AUX
hassl-4380	228	4	explained	explain	VERB
hassl-4380	228	5	by	by	ADP
hassl-4380	228	6	the	the	DET
hassl-4380	228	7	reason	reason	NOUN
hassl-4380	228	8	that	that	PRON
hassl-4380	228	9	groups	group	NOUN
hassl-4380	228	10	with	with	ADP
hassl-4380	228	11	low	low	ADJ
hassl-4380	228	12	fl	fl	PROPN
hassl-4380	228	13	often	often	ADV
hassl-4380	228	14	lack	lack	VERB
hassl-4380	228	15	the	the	DET
hassl-4380	228	16	confidence	confidence	NOUN
hassl-4380	228	17	to	to	PART
hassl-4380	228	18	invest	invest	VERB
hassl-4380	228	19	,	,	PUNCT
hassl-4380	228	20	so	so	ADV
hassl-4380	228	21	they	they	PRON
hassl-4380	228	22	tend	tend	VERB
hassl-4380	228	23	to	to	PART
hassl-4380	228	24	enjoy	enjoy	VERB
hassl-4380	228	25	more	more	ADJ
hassl-4380	228	26	profits	profit	NOUN
hassl-4380	228	27	from	from	ADP
hassl-4380	228	28	savings	saving	NOUN
hassl-4380	228	29	.	.	PUNCT
hassl-4380	229	1	research	research	NOUN
hassl-4380	229	2	by	by	ADP
hassl-4380	229	3	dupas	dupas	NOUN
hassl-4380	229	4	and	and	CCONJ
hassl-4380	229	5	robinson	robinson	PROPN
hassl-4380	229	6	(	(	PUNCT
hassl-4380	229	7	2013	2013	NUM
hassl-4380	229	8	)	)	PUNCT
hassl-4380	229	9	shows	show	VERB
hassl-4380	229	10	that	that	SCONJ
hassl-4380	229	11	saving	saving	NOUN
hassl-4380	229	12	helps	help	VERB
hassl-4380	229	13	ensure	ensure	VERB
hassl-4380	229	14	liquidity	liquidity	NOUN
hassl-4380	229	15	when	when	SCONJ
hassl-4380	229	16	needed	need	VERB
hassl-4380	229	17	and	and	CCONJ
hassl-4380	229	18	limits	limit	VERB
hassl-4380	229	19	the	the	DET
hassl-4380	229	20	tradeoff	tradeoff	NOUN
hassl-4380	229	21	losing	lose	VERB
hassl-4380	229	22	money	money	NOUN
hassl-4380	229	23	compared	compare	VERB
hassl-4380	229	24	to	to	ADP
hassl-4380	229	25	investing	investing	NOUN
hassl-4380	229	26	.	.	PUNCT
hassl-4380	230	1	furthermore	furthermore	ADV
hassl-4380	230	2	,	,	PUNCT
hassl-4380	230	3	lusardi	lusardi	PROPN
hassl-4380	230	4	and	and	CCONJ
hassl-4380	230	5	mitchell	mitchell	PROPN
hassl-4380	230	6	(	(	PUNCT
hassl-4380	230	7	2014	2014	NUM
hassl-4380	230	8	)	)	PUNCT
hassl-4380	230	9	studies	study	NOUN
hassl-4380	230	10	indicate	indicate	VERB
hassl-4380	230	11	that	that	SCONJ
hassl-4380	230	12	low	low	ADJ
hassl-4380	230	13	educational	educational	ADJ
hassl-4380	230	14	attainment	attainment	NOUN
hassl-4380	230	15	can	can	AUX
hassl-4380	230	16	hinder	hinder	VERB
hassl-4380	230	17	good	good	ADJ
hassl-4380	230	18	financial	financial	ADJ
hassl-4380	230	19	behaviors	behavior	NOUN
hassl-4380	230	20	,	,	PUNCT
hassl-4380	230	21	including	include	VERB
hassl-4380	230	22	investing	invest	VERB
hassl-4380	230	23	and	and	CCONJ
hassl-4380	230	24	saving	saving	NOUN
hassl-4380	230	25	.	.	PUNCT
hassl-4380	231	1	savings	saving	NOUN
hassl-4380	231	2	among	among	ADP
hassl-4380	231	3	university	university	NOUN
hassl-4380	231	4	students	student	NOUN
hassl-4380	231	5	are	be	AUX
hassl-4380	231	6	not	not	PART
hassl-4380	231	7	high	high	ADJ
hassl-4380	231	8	,	,	PUNCT
hassl-4380	231	9	possibly	possibly	ADV
hassl-4380	231	10	due	due	ADP
hassl-4380	231	11	to	to	ADP
hassl-4380	231	12	a	a	DET
hassl-4380	231	13	number	number	NOUN
hassl-4380	231	14	of	of	ADP
hassl-4380	231	15	reasons	reason	NOUN
hassl-4380	231	16	including	include	VERB
hassl-4380	231	17	limited	limited	ADJ
hassl-4380	231	18	income	income	NOUN
hassl-4380	231	19	and	and	CCONJ
hassl-4380	231	20	hedonistic	hedonistic	ADJ
hassl-4380	231	21	consumption	consumption	NOUN
hassl-4380	231	22	psychology	psychology	NOUN
hassl-4380	231	23	.	.	PUNCT
hassl-4380	232	1	obviously	obviously	ADV
hassl-4380	232	2	,	,	PUNCT
hassl-4380	232	3	limited	limited	ADJ
hassl-4380	232	4	income	income	NOUN
hassl-4380	232	5	can	can	AUX
hassl-4380	232	6	be	be	AUX
hassl-4380	232	7	a	a	DET
hassl-4380	232	8	problem	problem	NOUN
hassl-4380	232	9	for	for	ADP
hassl-4380	232	10	a	a	DET
hassl-4380	232	11	small	small	ADJ
hassl-4380	232	12	portion	portion	NOUN
hassl-4380	232	13	of	of	ADP
hassl-4380	232	14	students	student	NOUN
hassl-4380	232	15	because	because	SCONJ
hassl-4380	232	16	most	most	ADJ
hassl-4380	232	17	of	of	ADP
hassl-4380	232	18	the	the	DET
hassl-4380	232	19	money	money	NOUN
hassl-4380	232	20	earned	earn	VERB
hassl-4380	232	21	is	be	AUX
hassl-4380	232	22	just	just	ADV
hassl-4380	232	23	enough	enough	ADJ
hassl-4380	232	24	to	to	PART
hassl-4380	232	25	spend	spend	VERB
hassl-4380	232	26	.	.	PUNCT
hassl-4380	233	1	in	in	ADP
hassl-4380	233	2	fact	fact	NOUN
hassl-4380	233	3	,	,	PUNCT
hassl-4380	233	4	among	among	ADP
hassl-4380	233	5	the	the	DET
hassl-4380	233	6	responses	response	NOUN
hassl-4380	233	7	from	from	ADP
hassl-4380	233	8	the	the	DET
hassl-4380	233	9	survey	survey	NOUN
hassl-4380	233	10	,	,	PUNCT
hassl-4380	233	11	mainly	mainly	ADV
hassl-4380	233	12	participants	participant	NOUN
hassl-4380	233	13	with	with	ADP
hassl-4380	233	14	income	income	NOUN
hassl-4380	233	15	in	in	ADP
hassl-4380	233	16	the	the	DET
hassl-4380	233	17	range	range	NOUN
hassl-4380	233	18	of	of	ADP
hassl-4380	233	19	2	2	NUM
hassl-4380	233	20	-	-	SYM
hassl-4380	233	21	3	3	NUM
hassl-4380	233	22	million	million	NUM
hassl-4380	233	23	a	a	DET
hassl-4380	233	24	month	month	NOUN
hassl-4380	233	25	and	and	CCONJ
hassl-4380	233	26	lower	low	ADJ
hassl-4380	233	27	want	want	NOUN
hassl-4380	233	28	and	and	CCONJ
hassl-4380	233	29	try	try	VERB
hassl-4380	233	30	to	to	PART
hassl-4380	233	31	save	save	VERB
hassl-4380	233	32	but	but	CCONJ
hassl-4380	233	33	not	not	PART
hassl-4380	233	34	significantly	significantly	ADV
hassl-4380	233	35	.	.	PUNCT
hassl-4380	234	1	this	this	PRON
hassl-4380	234	2	may	may	AUX
hassl-4380	234	3	be	be	AUX
hassl-4380	234	4	because	because	SCONJ
hassl-4380	234	5	most	most	ADJ
hassl-4380	234	6	of	of	ADP
hassl-4380	234	7	the	the	DET
hassl-4380	234	8	income	income	NOUN
hassl-4380	234	9	has	have	AUX
hassl-4380	234	10	been	be	AUX
hassl-4380	234	11	used	use	VERB
hassl-4380	234	12	to	to	PART
hassl-4380	234	13	pay	pay	VERB
hassl-4380	234	14	for	for	ADP
hassl-4380	234	15	daily	daily	ADJ
hassl-4380	234	16	living	living	NOUN
hassl-4380	234	17	expenses	expense	NOUN
hassl-4380	234	18	such	such	ADJ
hassl-4380	234	19	as	as	ADP
hassl-4380	234	20	food	food	NOUN
hassl-4380	234	21	,	,	PUNCT
hassl-4380	234	22	rent	rent	NOUN
hassl-4380	234	23	,	,	PUNCT
hassl-4380	234	24	electricity	electricity	NOUN
hassl-4380	234	25	,	,	PUNCT
hassl-4380	234	26	and	and	CCONJ
hassl-4380	234	27	water	water	NOUN
hassl-4380	234	28	bills	bill	NOUN
hassl-4380	234	29	,	,	PUNCT
hassl-4380	234	30	along	along	ADP
hassl-4380	234	31	with	with	ADP
hassl-4380	234	32	some	some	DET
hassl-4380	234	33	other	other	ADJ
hassl-4380	234	34	expenses	expense	NOUN
hassl-4380	234	35	.	.	PUNCT
hassl-4380	235	1	thus	thus	ADV
hassl-4380	235	2	,	,	PUNCT
hassl-4380	235	3	there	there	PRON
hassl-4380	235	4	is	be	VERB
hassl-4380	235	5	no	no	DET
hassl-4380	235	6	financial	financial	ADJ
hassl-4380	235	7	balance	balance	NOUN
hassl-4380	235	8	left	leave	VERB
hassl-4380	235	9	for	for	ADP
hassl-4380	235	10	savings	saving	NOUN
hassl-4380	235	11	.	.	PUNCT
hassl-4380	236	1	in	in	ADP
hassl-4380	236	2	addition	addition	NOUN
hassl-4380	236	3	,	,	PUNCT
hassl-4380	236	4	turner	turner	NOUN
hassl-4380	236	5	(	(	PUNCT
hassl-4380	236	6	2015	2015	NUM
hassl-4380	236	7	)	)	PUNCT
hassl-4380	236	8	research	research	NOUN
hassl-4380	236	9	shows	show	VERB
hassl-4380	236	10	that	that	SCONJ
hassl-4380	236	11	the	the	DET
hassl-4380	236	12	stress	stress	NOUN
hassl-4380	236	13	level	level	NOUN
hassl-4380	236	14	caused	cause	VERB
hassl-4380	236	15	by	by	ADP
hassl-4380	236	16	income	income	NOUN
hassl-4380	236	17	disparity	disparity	NOUN
hassl-4380	236	18	among	among	ADP
hassl-4380	236	19	residents	resident	NOUN
hassl-4380	236	20	is	be	AUX
hassl-4380	236	21	increasing	increase	VERB
hassl-4380	236	22	,	,	PUNCT
hassl-4380	236	23	leading	lead	VERB
hassl-4380	236	24	to	to	ADP
hassl-4380	236	25	challenges	challenge	NOUN
hassl-4380	236	26	in	in	ADP
hassl-4380	236	27	financial	financial	ADJ
hassl-4380	236	28	management	management	NOUN
hassl-4380	236	29	.	.	PUNCT
hassl-4380	237	1	it	it	PRON
hassl-4380	237	2	is	be	AUX
hassl-4380	237	3	clear	clear	ADJ
hassl-4380	237	4	that	that	SCONJ
hassl-4380	237	5	considering	consider	VERB
hassl-4380	237	6	spending	spend	VERB
hassl-4380	237	7	so	so	ADV
hassl-4380	237	8	as	as	SCONJ
hassl-4380	237	9	not	not	PART
hassl-4380	237	10	to	to	PART
hassl-4380	237	11	fall	fall	VERB
hassl-4380	237	12	short	short	ADJ
hassl-4380	237	13	is	be	AUX
hassl-4380	237	14	difficult	difficult	ADJ
hassl-4380	237	15	;	;	PUNCT
hassl-4380	237	16	it	it	PRON
hassl-4380	237	17	is	be	AUX
hassl-4380	237	18	even	even	ADV
hassl-4380	237	19	more	more	ADV
hassl-4380	237	20	difficult	difficult	ADJ
hassl-4380	237	21	to	to	PART
hassl-4380	237	22	spend	spend	VERB
hassl-4380	237	23	extra	extra	ADJ
hassl-4380	237	24	to	to	PART
hassl-4380	237	25	save	save	VERB
hassl-4380	237	26	.	.	PUNCT
hassl-4380	238	1	humanities	humanity	NOUN
hassl-4380	238	2	and	and	CCONJ
hassl-4380	238	3	social	social	ADJ
hassl-4380	238	4	sciences	science	NOUN
hassl-4380	238	5	letters	letter	NOUN
hassl-4380	238	6	,	,	PUNCT
hassl-4380	238	7	2025	2025	NUM
hassl-4380	238	8	,	,	PUNCT
hassl-4380	238	9	13(3	13(3	NUM
hassl-4380	238	10	):	):	PUNCT
hassl-4380	238	11	1037	1037	NUM
hassl-4380	238	12	-	-	SYM
hassl-4380	238	13	1052	1052	NUM
hassl-4380	238	14	1047	1047	NUM
hassl-4380	238	15	©	©	PROPN
hassl-4380	238	16	2025	2025	NUM
hassl-4380	238	17	conscientia	conscientia	PROPN
hassl-4380	238	18	beam	beam	PROPN
hassl-4380	238	19	.	.	PUNCT
hassl-4380	239	1	all	all	DET
hassl-4380	239	2	rights	right	NOUN
hassl-4380	239	3	reserved	reserve	VERB
hassl-4380	239	4	.	.	PUNCT
hassl-4380	240	1	according	accord	VERB
hassl-4380	240	2	to	to	ADP
hassl-4380	240	3	research	research	NOUN
hassl-4380	240	4	results	result	NOUN
hassl-4380	240	5	by	by	ADP
hassl-4380	240	6	binh	binh	PROPN
hassl-4380	240	7	(	(	PUNCT
hassl-4380	240	8	2011	2011	NUM
hassl-4380	240	9	)	)	PUNCT
hassl-4380	240	10	,	,	PUNCT
hassl-4380	240	11	the	the	DET
hassl-4380	240	12	average	average	ADJ
hassl-4380	240	13	monthly	monthly	ADJ
hassl-4380	240	14	spending	spending	NOUN
hassl-4380	240	15	of	of	ADP
hassl-4380	240	16	vietnamese	vietnamese	ADJ
hassl-4380	240	17	people	people	NOUN
hassl-4380	240	18	is	be	AUX
hassl-4380	240	19	on	on	ADP
hassl-4380	240	20	the	the	DET
hassl-4380	240	21	rise	rise	NOUN
hassl-4380	240	22	.	.	PUNCT
hassl-4380	241	1	life	life	NOUN
hassl-4380	241	2	's	's	PART
hassl-4380	241	3	needs	need	NOUN
hassl-4380	241	4	gradually	gradually	ADV
hassl-4380	241	5	upgrade	upgrade	VERB
hassl-4380	241	6	from	from	ADP
hassl-4380	241	7	"	"	PUNCT
hassl-4380	241	8	enough	enough	ADJ
hassl-4380	241	9	food	food	NOUN
hassl-4380	241	10	and	and	CCONJ
hassl-4380	241	11	clothing	clothing	NOUN
hassl-4380	241	12	"	"	PUNCT
hassl-4380	241	13	to	to	ADP
hassl-4380	241	14	the	the	DET
hassl-4380	241	15	desire	desire	NOUN
hassl-4380	241	16	to	to	PART
hassl-4380	241	17	enjoy	enjoy	VERB
hassl-4380	241	18	services	service	NOUN
hassl-4380	241	19	,	,	PUNCT
hassl-4380	241	20	playing	playing	NOUN
hassl-4380	241	21	,	,	PUNCT
hassl-4380	241	22	and	and	CCONJ
hassl-4380	241	23	entertainment	entertainment	NOUN
hassl-4380	241	24	.	.	PUNCT
hassl-4380	242	1	additionally	additionally	ADV
hassl-4380	242	2	,	,	PUNCT
hassl-4380	242	3	tunsakul	tunsakul	PROPN
hassl-4380	242	4	(	(	PUNCT
hassl-4380	242	5	2020	2020	NUM
hassl-4380	242	6	)	)	PUNCT
hassl-4380	242	7	researched	research	VERB
hassl-4380	242	8	that	that	SCONJ
hassl-4380	242	9	the	the	DET
hassl-4380	242	10	development	development	NOUN
hassl-4380	242	11	of	of	ADP
hassl-4380	242	12	online	online	ADJ
hassl-4380	242	13	shopping	shopping	NOUN
hassl-4380	242	14	greatly	greatly	ADV
hassl-4380	242	15	affects	affect	VERB
hassl-4380	242	16	shopping	shop	VERB
hassl-4380	242	17	and	and	CCONJ
hassl-4380	242	18	spending	spending	NOUN
hassl-4380	242	19	decisions	decision	NOUN
hassl-4380	242	20	.	.	PUNCT
hassl-4380	243	1	in	in	ADP
hassl-4380	243	2	particular	particular	ADJ
hassl-4380	243	3	,	,	PUNCT
hassl-4380	243	4	the	the	DET
hassl-4380	243	5	hypothesis	hypothesis	NOUN
hassl-4380	243	6	that	that	PRON
hassl-4380	243	7	the	the	DET
hassl-4380	243	8	desire	desire	NOUN
hassl-4380	243	9	for	for	ADP
hassl-4380	243	10	enjoyment	enjoyment	NOUN
hassl-4380	243	11	has	have	VERB
hassl-4380	243	12	a	a	DET
hassl-4380	243	13	strong	strong	ADJ
hassl-4380	243	14	influence	influence	NOUN
hassl-4380	243	15	on	on	ADP
hassl-4380	243	16	purchasing	purchase	VERB
hassl-4380	243	17	decisions	decision	NOUN
hassl-4380	243	18	is	be	AUX
hassl-4380	243	19	significant	significant	ADJ
hassl-4380	243	20	.	.	PUNCT
hassl-4380	244	1	the	the	DET
hassl-4380	244	2	group	group	NOUN
hassl-4380	244	3	of	of	ADP
hassl-4380	244	4	university	university	NOUN
hassl-4380	244	5	students	student	NOUN
hassl-4380	244	6	who	who	PRON
hassl-4380	244	7	have	have	VERB
hassl-4380	244	8	access	access	NOUN
hassl-4380	244	9	to	to	ADP
hassl-4380	244	10	technology	technology	NOUN
hassl-4380	244	11	and	and	CCONJ
hassl-4380	244	12	the	the	DET
hassl-4380	244	13	internet	internet	NOUN
hassl-4380	244	14	every	every	DET
hassl-4380	244	15	day	day	NOUN
hassl-4380	244	16	are	be	AUX
hassl-4380	244	17	easily	easily	ADV
hassl-4380	244	18	attracted	attract	VERB
hassl-4380	244	19	to	to	ADP
hassl-4380	244	20	shopping	shopping	NOUN
hassl-4380	244	21	deals	deal	NOUN
hassl-4380	244	22	.	.	PUNCT
hassl-4380	245	1	this	this	PRON
hassl-4380	245	2	leads	lead	VERB
hassl-4380	245	3	to	to	ADP
hassl-4380	245	4	quick	quick	ADJ
hassl-4380	245	5	decisions	decision	NOUN
hassl-4380	245	6	about	about	ADP
hassl-4380	245	7	immediate	immediate	ADJ
hassl-4380	245	8	spending	spending	NOUN
hassl-4380	245	9	to	to	PART
hassl-4380	245	10	satisfy	satisfy	VERB
hassl-4380	245	11	the	the	DET
hassl-4380	245	12	desire	desire	NOUN
hassl-4380	245	13	for	for	ADP
hassl-4380	245	14	enjoyment	enjoyment	NOUN
hassl-4380	245	15	.	.	PUNCT
hassl-4380	246	1	4.2.3	4.2.3	X
hassl-4380	246	2	.	.	PUNCT
hassl-4380	247	1	impact	impact	NOUN
hassl-4380	247	2	of	of	ADP
hassl-4380	247	3	financial	financial	ADJ
hassl-4380	247	4	literacy	literacy	NOUN
hassl-4380	247	5	on	on	ADP
hassl-4380	247	6	consumption	consumption	NOUN
hassl-4380	247	7	behavior	behavior	NOUN
hassl-4380	247	8	the	the	DET
hassl-4380	247	9	results	result	NOUN
hassl-4380	247	10	of	of	ADP
hassl-4380	247	11	several	several	ADJ
hassl-4380	247	12	descriptive	descriptive	ADJ
hassl-4380	247	13	assessments	assessment	NOUN
hassl-4380	247	14	,	,	PUNCT
hassl-4380	247	15	which	which	PRON
hassl-4380	247	16	evaluate	evaluate	VERB
hassl-4380	247	17	the	the	DET
hassl-4380	247	18	influence	influence	NOUN
hassl-4380	247	19	of	of	ADP
hassl-4380	247	20	fl	fl	PROPN
hassl-4380	247	21	on	on	ADP
hassl-4380	247	22	cb	cb	PROPN
hassl-4380	247	23	among	among	ADP
hassl-4380	247	24	university	university	NOUN
hassl-4380	247	25	students	student	NOUN
hassl-4380	247	26	,	,	PUNCT
hassl-4380	247	27	show	show	VERB
hassl-4380	247	28	that	that	SCONJ
hassl-4380	247	29	fl	fl	PROPN
hassl-4380	247	30	has	have	VERB
hassl-4380	247	31	a	a	DET
hassl-4380	247	32	significant	significant	ADJ
hassl-4380	247	33	positive	positive	ADJ
hassl-4380	247	34	impact	impact	NOUN
hassl-4380	247	35	on	on	ADP
hassl-4380	247	36	cb	cb	PROPN
hassl-4380	247	37	.	.	PROPN
hassl-4380	248	1	this	this	PRON
hassl-4380	248	2	indicates	indicate	VERB
hassl-4380	248	3	that	that	SCONJ
hassl-4380	248	4	the	the	PRON
hassl-4380	248	5	higher	high	ADJ
hassl-4380	248	6	the	the	DET
hassl-4380	248	7	fl	fl	NOUN
hassl-4380	248	8	level	level	NOUN
hassl-4380	248	9	of	of	ADP
hassl-4380	248	10	students	student	NOUN
hassl-4380	248	11	,	,	PUNCT
hassl-4380	248	12	the	the	PRON
hassl-4380	248	13	lower	low	ADJ
hassl-4380	248	14	their	their	PRON
hassl-4380	248	15	consumption	consumption	NOUN
hassl-4380	248	16	tendency	tendency	NOUN
hassl-4380	248	17	.	.	PUNCT
hassl-4380	249	1	if	if	SCONJ
hassl-4380	249	2	students	student	NOUN
hassl-4380	249	3	have	have	VERB
hassl-4380	249	4	good	good	ADJ
hassl-4380	249	5	fl	fl	NOUN
hassl-4380	249	6	,	,	PUNCT
hassl-4380	249	7	they	they	PRON
hassl-4380	249	8	can	can	AUX
hassl-4380	249	9	manage	manage	VERB
hassl-4380	249	10	their	their	PRON
hassl-4380	249	11	finances	finance	NOUN
hassl-4380	249	12	effectively	effectively	ADV
hassl-4380	249	13	through	through	ADP
hassl-4380	249	14	cb	cb	PROPN
hassl-4380	249	15	.	.	PROPN
hassl-4380	249	16	specifically	specifically	ADV
hassl-4380	249	17	,	,	PUNCT
hassl-4380	249	18	when	when	SCONJ
hassl-4380	249	19	students	student	NOUN
hassl-4380	249	20	understand	understand	VERB
hassl-4380	249	21	cash	cash	NOUN
hassl-4380	249	22	flow	flow	NOUN
hassl-4380	249	23	,	,	PUNCT
hassl-4380	249	24	they	they	PRON
hassl-4380	249	25	can	can	AUX
hassl-4380	249	26	create	create	VERB
hassl-4380	249	27	a	a	DET
hassl-4380	249	28	reasonable	reasonable	ADJ
hassl-4380	249	29	budget	budget	NOUN
hassl-4380	249	30	and	and	CCONJ
hassl-4380	249	31	allocate	allocate	VERB
hassl-4380	249	32	spending	spending	NOUN
hassl-4380	249	33	scientifically	scientifically	ADV
hassl-4380	249	34	for	for	ADP
hassl-4380	249	35	necessary	necessary	ADJ
hassl-4380	249	36	items	item	NOUN
hassl-4380	249	37	such	such	ADJ
hassl-4380	249	38	as	as	ADP
hassl-4380	249	39	tuition	tuition	NOUN
hassl-4380	249	40	,	,	PUNCT
hassl-4380	249	41	food	food	NOUN
hassl-4380	249	42	,	,	PUNCT
hassl-4380	249	43	housing	housing	NOUN
hassl-4380	249	44	,	,	PUNCT
hassl-4380	249	45	and	and	CCONJ
hassl-4380	249	46	travel	travel	NOUN
hassl-4380	249	47	,	,	PUNCT
hassl-4380	249	48	thereby	thereby	ADV
hassl-4380	249	49	avoiding	avoid	VERB
hassl-4380	249	50	wasteful	wasteful	ADJ
hassl-4380	249	51	consumption	consumption	NOUN
hassl-4380	249	52	to	to	PART
hassl-4380	249	53	benefit	benefit	VERB
hassl-4380	249	54	their	their	PRON
hassl-4380	249	55	future	future	NOUN
hassl-4380	249	56	(	(	PUNCT
hassl-4380	249	57	barr	barr	PROPN
hassl-4380	249	58	&	&	CCONJ
hassl-4380	249	59	mcclellan	mcclellan	PROPN
hassl-4380	249	60	,	,	PUNCT
hassl-4380	249	61	2018	2018	NUM
hassl-4380	249	62	)	)	PUNCT
hassl-4380	249	63	.	.	PUNCT
hassl-4380	250	1	in	in	ADP
hassl-4380	250	2	addition	addition	NOUN
hassl-4380	250	3	,	,	PUNCT
hassl-4380	250	4	students	student	NOUN
hassl-4380	250	5	with	with	ADP
hassl-4380	250	6	fl	fl	PRON
hassl-4380	250	7	also	also	ADV
hassl-4380	250	8	understand	understand	VERB
hassl-4380	250	9	the	the	DET
hassl-4380	250	10	critical	critical	ADJ
hassl-4380	250	11	role	role	NOUN
hassl-4380	250	12	of	of	ADP
hassl-4380	250	13	saving	save	VERB
hassl-4380	250	14	and	and	CCONJ
hassl-4380	250	15	investing	invest	VERB
hassl-4380	250	16	for	for	ADP
hassl-4380	250	17	the	the	DET
hassl-4380	250	18	future	future	NOUN
hassl-4380	250	19	,	,	PUNCT
hassl-4380	250	20	instead	instead	ADV
hassl-4380	250	21	of	of	ADP
hassl-4380	250	22	wasting	waste	VERB
hassl-4380	250	23	money	money	NOUN
hassl-4380	250	24	on	on	ADP
hassl-4380	250	25	unnecessary	unnecessary	ADJ
hassl-4380	250	26	things	thing	NOUN
hassl-4380	250	27	,	,	PUNCT
hassl-4380	250	28	so	so	SCONJ
hassl-4380	250	29	they	they	PRON
hassl-4380	250	30	will	will	AUX
hassl-4380	250	31	often	often	ADV
hassl-4380	250	32	spend	spend	VERB
hassl-4380	250	33	more	more	ADV
hassl-4380	250	34	cautiously	cautiously	ADV
hassl-4380	250	35	.	.	PUNCT
hassl-4380	251	1	furthermore	furthermore	ADV
hassl-4380	251	2	,	,	PUNCT
hassl-4380	251	3	students	student	NOUN
hassl-4380	251	4	with	with	ADP
hassl-4380	251	5	fl	fl	PROPN
hassl-4380	251	6	will	will	AUX
hassl-4380	251	7	be	be	AUX
hassl-4380	251	8	cautious	cautious	ADJ
hassl-4380	251	9	of	of	ADP
hassl-4380	251	10	attractive	attractive	ADJ
hassl-4380	251	11	offers	offer	NOUN
hassl-4380	251	12	and	and	CCONJ
hassl-4380	251	13	"	"	PUNCT
hassl-4380	251	14	virtual	virtual	ADJ
hassl-4380	251	15	"	"	PUNCT
hassl-4380	251	16	advertising	advertising	NOUN
hassl-4380	251	17	and	and	CCONJ
hassl-4380	251	18	adjust	adjust	VERB
hassl-4380	251	19	their	their	PRON
hassl-4380	251	20	impulsive	impulsive	ADJ
hassl-4380	251	21	cb	cb	NOUN
hassl-4380	251	22	.	.	PROPN
hassl-4380	251	23	from	from	ADP
hassl-4380	251	24	there	there	ADV
hassl-4380	251	25	,	,	PUNCT
hassl-4380	251	26	students	student	NOUN
hassl-4380	251	27	know	know	VERB
hassl-4380	251	28	how	how	SCONJ
hassl-4380	251	29	to	to	PART
hassl-4380	251	30	evaluate	evaluate	VERB
hassl-4380	251	31	risks	risk	NOUN
hassl-4380	251	32	before	before	ADP
hassl-4380	251	33	making	make	VERB
hassl-4380	251	34	purchasing	purchasing	NOUN
hassl-4380	251	35	decisions	decision	NOUN
hassl-4380	251	36	to	to	PART
hassl-4380	251	37	bring	bring	VERB
hassl-4380	251	38	maximum	maximum	ADJ
hassl-4380	251	39	benefits	benefit	NOUN
hassl-4380	251	40	to	to	ADP
hassl-4380	251	41	themselves	themselves	PRON
hassl-4380	251	42	(	(	PUNCT
hassl-4380	251	43	lusardi	lusardi	PROPN
hassl-4380	251	44	&	&	CCONJ
hassl-4380	251	45	mitchell	mitchell	PROPN
hassl-4380	251	46	,	,	PUNCT
hassl-4380	251	47	2014	2014	NUM
hassl-4380	251	48	)	)	PUNCT
hassl-4380	251	49	.	.	PUNCT
hassl-4380	252	1	finally	finally	ADV
hassl-4380	252	2	,	,	PUNCT
hassl-4380	252	3	fl	fl	PROPN
hassl-4380	252	4	helps	help	VERB
hassl-4380	252	5	students	student	NOUN
hassl-4380	252	6	determine	determine	VERB
hassl-4380	252	7	specific	specific	ADJ
hassl-4380	252	8	financial	financial	ADJ
hassl-4380	252	9	goals	goal	NOUN
hassl-4380	252	10	for	for	ADP
hassl-4380	252	11	themselves	themselves	PRON
hassl-4380	252	12	,	,	PUNCT
hassl-4380	252	13	including	include	VERB
hassl-4380	252	14	buying	buy	VERB
hassl-4380	252	15	a	a	DET
hassl-4380	252	16	house	house	NOUN
hassl-4380	252	17	and	and	CCONJ
hassl-4380	252	18	traveling	traveling	NOUN
hassl-4380	252	19	.	.	PUNCT
hassl-4380	253	1	this	this	DET
hassl-4380	253	2	study	study	NOUN
hassl-4380	253	3	also	also	ADV
hassl-4380	253	4	reinforces	reinforce	VERB
hassl-4380	253	5	previous	previous	ADJ
hassl-4380	253	6	theoretical	theoretical	ADJ
hassl-4380	253	7	views	view	NOUN
hassl-4380	253	8	that	that	SCONJ
hassl-4380	253	9	there	there	PRON
hassl-4380	253	10	is	be	VERB
hassl-4380	253	11	an	an	DET
hassl-4380	253	12	influence	influence	NOUN
hassl-4380	253	13	between	between	ADP
hassl-4380	253	14	fl	fl	NOUN
hassl-4380	253	15	and	and	CCONJ
hassl-4380	253	16	students	student	NOUN
hassl-4380	253	17	'	'	PART
hassl-4380	253	18	cb	cb	PROPN
hassl-4380	253	19	.	.	PROPN
hassl-4380	254	1	however	however	ADV
hassl-4380	254	2	,	,	PUNCT
hassl-4380	254	3	research	research	NOUN
hassl-4380	254	4	by	by	ADP
hassl-4380	254	5	udayanthi	udayanthi	NOUN
hassl-4380	254	6	,	,	PUNCT
hassl-4380	254	7	herawati	herawati	PROPN
hassl-4380	254	8	,	,	PUNCT
hassl-4380	254	9	and	and	CCONJ
hassl-4380	254	10	julianto	julianto	PROPN
hassl-4380	254	11	(	(	PUNCT
hassl-4380	254	12	2018	2018	NUM
hassl-4380	254	13	)	)	PUNCT
hassl-4380	254	14	concluded	conclude	VERB
hassl-4380	254	15	that	that	SCONJ
hassl-4380	254	16	fl	fl	NOUN
hassl-4380	254	17	negatively	negatively	ADV
hassl-4380	254	18	affects	affect	VERB
hassl-4380	254	19	consumer	consumer	NOUN
hassl-4380	254	20	behavior	behavior	NOUN
hassl-4380	254	21	,	,	PUNCT
hassl-4380	254	22	and	and	CCONJ
hassl-4380	254	23	that	that	SCONJ
hassl-4380	254	24	the	the	DET
hassl-4380	254	25	quality	quality	NOUN
hassl-4380	254	26	of	of	ADP
hassl-4380	254	27	learning	learning	NOUN
hassl-4380	254	28	and	and	CCONJ
hassl-4380	254	29	self	self	NOUN
hassl-4380	254	30	-	-	PUNCT
hassl-4380	254	31	control	control	NOUN
hassl-4380	254	32	influence	influence	NOUN
hassl-4380	254	33	cb	cb	PROPN
hassl-4380	254	34	.	.	PUNCT
hassl-4380	254	35	additionally	additionally	ADV
hassl-4380	254	36	,	,	PUNCT
hassl-4380	254	37	the	the	DET
hassl-4380	254	38	study	study	NOUN
hassl-4380	254	39	by	by	ADP
hassl-4380	254	40	endah	endah	PROPN
hassl-4380	254	41	,	,	PUNCT
hassl-4380	254	42	daryanti	daryanti	NOUN
hassl-4380	254	43	,	,	PUNCT
hassl-4380	254	44	and	and	CCONJ
hassl-4380	254	45	hati	hati	PROPN
hassl-4380	254	46	(	(	PUNCT
hassl-4380	254	47	2017	2017	NUM
hassl-4380	254	48	)	)	PUNCT
hassl-4380	254	49	found	find	VERB
hassl-4380	254	50	that	that	SCONJ
hassl-4380	254	51	a	a	DET
hassl-4380	254	52	person	person	NOUN
hassl-4380	254	53	's	's	PART
hassl-4380	254	54	ability	ability	NOUN
hassl-4380	254	55	to	to	PART
hassl-4380	254	56	determine	determine	VERB
hassl-4380	254	57	whether	whether	SCONJ
hassl-4380	254	58	financial	financial	ADJ
hassl-4380	254	59	actions	action	NOUN
hassl-4380	254	60	are	be	AUX
hassl-4380	254	61	appropriate	appropriate	ADJ
hassl-4380	254	62	or	or	CCONJ
hassl-4380	254	63	not	not	PART
hassl-4380	254	64	is	be	AUX
hassl-4380	254	65	related	relate	VERB
hassl-4380	254	66	to	to	ADP
hassl-4380	254	67	cb	cb	PROPN
hassl-4380	254	68	,	,	PUNCT
hassl-4380	254	69	and	and	CCONJ
hassl-4380	254	70	students	student	NOUN
hassl-4380	254	71	with	with	ADP
hassl-4380	254	72	higher	high	ADJ
hassl-4380	254	73	levels	level	NOUN
hassl-4380	254	74	of	of	ADP
hassl-4380	254	75	fl	fl	PRON
hassl-4380	254	76	tend	tend	VERB
hassl-4380	254	77	to	to	PART
hassl-4380	254	78	have	have	VERB
hassl-4380	254	79	lower	low	ADJ
hassl-4380	254	80	cb	cb	PROPN
hassl-4380	254	81	levels	level	NOUN
hassl-4380	254	82	.	.	PUNCT
hassl-4380	255	1	the	the	DET
hassl-4380	255	2	results	result	NOUN
hassl-4380	255	3	of	of	ADP
hassl-4380	255	4	this	this	DET
hassl-4380	255	5	research	research	NOUN
hassl-4380	255	6	are	be	AUX
hassl-4380	255	7	also	also	ADV
hassl-4380	255	8	consistent	consistent	ADJ
hassl-4380	255	9	with	with	ADP
hassl-4380	255	10	studies	study	NOUN
hassl-4380	255	11	by	by	ADP
hassl-4380	255	12	nguyen	nguyen	NOUN
hassl-4380	255	13	(	(	PUNCT
hassl-4380	255	14	2017	2017	NUM
hassl-4380	255	15	)	)	PUNCT
hassl-4380	255	16	and	and	CCONJ
hassl-4380	255	17	morgan	morgan	PROPN
hassl-4380	255	18	and	and	CCONJ
hassl-4380	255	19	trinh	trinh	PROPN
hassl-4380	255	20	(	(	PUNCT
hassl-4380	255	21	2017	2017	NUM
hassl-4380	255	22	)	)	PUNCT
hassl-4380	255	23	that	that	PRON
hassl-4380	255	24	assessed	assess	VERB
hassl-4380	255	25	the	the	DET
hassl-4380	255	26	financial	financial	ADJ
hassl-4380	255	27	literacy	literacy	NOUN
hassl-4380	255	28	levels	level	NOUN
hassl-4380	255	29	of	of	ADP
hassl-4380	255	30	urban	urban	ADJ
hassl-4380	255	31	youths	youth	NOUN
hassl-4380	255	32	and	and	CCONJ
hassl-4380	255	33	other	other	ADJ
hassl-4380	255	34	studies	study	NOUN
hassl-4380	255	35	conducted	conduct	VERB
hassl-4380	255	36	in	in	ADP
hassl-4380	255	37	two	two	NUM
hassl-4380	255	38	low	low	ADJ
hassl-4380	255	39	-	-	PUNCT
hassl-4380	255	40	income	income	NOUN
hassl-4380	255	41	countries	country	NOUN
hassl-4380	255	42	.	.	PUNCT
hassl-4380	256	1	nguyen	nguyen	NOUN
hassl-4380	256	2	(	(	PUNCT
hassl-4380	256	3	2017	2017	NUM
hassl-4380	256	4	)	)	PUNCT
hassl-4380	256	5	found	find	VERB
hassl-4380	256	6	that	that	SCONJ
hassl-4380	256	7	individuals	individual	NOUN
hassl-4380	256	8	demonstrating	demonstrate	VERB
hassl-4380	256	9	higher	high	ADJ
hassl-4380	256	10	financial	financial	ADJ
hassl-4380	256	11	literacy	literacy	NOUN
hassl-4380	256	12	levels	level	NOUN
hassl-4380	256	13	were	be	AUX
hassl-4380	256	14	less	less	ADV
hassl-4380	256	15	likely	likely	ADJ
hassl-4380	256	16	to	to	PART
hassl-4380	256	17	overspend	overspend	VERB
hassl-4380	256	18	,	,	PUNCT
hassl-4380	256	19	more	more	ADV
hassl-4380	256	20	likely	likely	ADJ
hassl-4380	256	21	to	to	PART
hassl-4380	256	22	save	save	VERB
hassl-4380	256	23	money	money	NOUN
hassl-4380	256	24	,	,	PUNCT
hassl-4380	256	25	and	and	CCONJ
hassl-4380	256	26	to	to	PART
hassl-4380	256	27	spend	spend	VERB
hassl-4380	256	28	and	and	CCONJ
hassl-4380	256	29	invest	invest	VERB
hassl-4380	256	30	more	more	ADV
hassl-4380	256	31	carefully	carefully	ADV
hassl-4380	256	32	.	.	PUNCT
hassl-4380	257	1	however	however	ADV
hassl-4380	257	2	,	,	PUNCT
hassl-4380	257	3	this	this	DET
hassl-4380	257	4	study	study	NOUN
hassl-4380	257	5	focused	focus	VERB
hassl-4380	257	6	on	on	ADP
hassl-4380	257	7	students	student	NOUN
hassl-4380	257	8	in	in	ADP
hassl-4380	257	9	hanoi	hanoi	PROPN
hassl-4380	257	10	,	,	PUNCT
hassl-4380	257	11	and	and	CCONJ
hassl-4380	257	12	so	so	ADV
hassl-4380	257	13	far	far	ADV
hassl-4380	257	14	,	,	PUNCT
hassl-4380	257	15	no	no	DET
hassl-4380	257	16	other	other	ADJ
hassl-4380	257	17	studies	study	NOUN
hassl-4380	257	18	with	with	ADP
hassl-4380	257	19	similar	similar	ADJ
hassl-4380	257	20	research	research	NOUN
hassl-4380	257	21	subjects	subject	NOUN
hassl-4380	257	22	have	have	AUX
hassl-4380	257	23	been	be	AUX
hassl-4380	257	24	conducted	conduct	VERB
hassl-4380	257	25	for	for	ADP
hassl-4380	257	26	objective	objective	ADJ
hassl-4380	257	27	comparison	comparison	NOUN
hassl-4380	257	28	.	.	PUNCT
hassl-4380	258	1	therefore	therefore	ADV
hassl-4380	258	2	,	,	PUNCT
hassl-4380	258	3	subjectivity	subjectivity	NOUN
hassl-4380	258	4	in	in	ADP
hassl-4380	258	5	the	the	DET
hassl-4380	258	6	research	research	NOUN
hassl-4380	258	7	results	result	NOUN
hassl-4380	258	8	remains	remain	VERB
hassl-4380	258	9	due	due	ADJ
hassl-4380	258	10	to	to	ADP
hassl-4380	258	11	the	the	DET
hassl-4380	258	12	scope	scope	NOUN
hassl-4380	258	13	and	and	CCONJ
hassl-4380	258	14	research	research	NOUN
hassl-4380	258	15	subjects	subject	NOUN
hassl-4380	258	16	,	,	PUNCT
hassl-4380	258	17	which	which	PRON
hassl-4380	258	18	may	may	AUX
hassl-4380	258	19	serve	serve	VERB
hassl-4380	258	20	as	as	ADP
hassl-4380	258	21	a	a	DET
hassl-4380	258	22	basis	basis	NOUN
hassl-4380	258	23	for	for	ADP
hassl-4380	258	24	future	future	ADJ
hassl-4380	258	25	research	research	NOUN
hassl-4380	258	26	on	on	ADP
hassl-4380	258	27	this	this	DET
hassl-4380	258	28	topic	topic	NOUN
hassl-4380	258	29	.	.	PUNCT
hassl-4380	259	1	5	5	NUM
hassl-4380	259	2	.	.	X
hassl-4380	259	3	conclusions	conclusion	NOUN
hassl-4380	259	4	and	and	CCONJ
hassl-4380	259	5	recommendations	recommendation	NOUN
hassl-4380	259	6	the	the	DET
hassl-4380	259	7	findings	finding	NOUN
hassl-4380	259	8	show	show	VERB
hassl-4380	259	9	that	that	SCONJ
hassl-4380	259	10	fl	fl	PROPN
hassl-4380	259	11	has	have	VERB
hassl-4380	259	12	a	a	DET
hassl-4380	259	13	positive	positive	ADJ
hassl-4380	259	14	impact	impact	NOUN
hassl-4380	259	15	on	on	ADP
hassl-4380	259	16	fb	fb	INTJ
hassl-4380	259	17	.	.	PUNCT
hassl-4380	260	1	having	have	VERB
hassl-4380	260	2	good	good	ADJ
hassl-4380	260	3	fl	fl	PROPN
hassl-4380	260	4	helps	help	VERB
hassl-4380	260	5	university	university	NOUN
hassl-4380	260	6	students	student	NOUN
hassl-4380	260	7	in	in	ADP
hassl-4380	260	8	hanoi	hanoi	PROPN
hassl-4380	260	9	to	to	PART
hassl-4380	260	10	manage	manage	VERB
hassl-4380	260	11	their	their	PRON
hassl-4380	260	12	finances	finance	NOUN
hassl-4380	260	13	better	well	ADV
hassl-4380	260	14	and	and	CCONJ
hassl-4380	260	15	adopt	adopt	VERB
hassl-4380	260	16	more	more	ADV
hassl-4380	260	17	reasonable	reasonable	ADJ
hassl-4380	260	18	financial	financial	ADJ
hassl-4380	260	19	behaviors	behavior	NOUN
hassl-4380	260	20	.	.	PUNCT
hassl-4380	261	1	this	this	DET
hassl-4380	261	2	research	research	NOUN
hassl-4380	261	3	proposes	propose	VERB
hassl-4380	261	4	several	several	ADJ
hassl-4380	261	5	recommendations	recommendation	NOUN
hassl-4380	261	6	to	to	PART
hassl-4380	261	7	improve	improve	VERB
hassl-4380	261	8	students	student	NOUN
hassl-4380	261	9	'	'	PART
hassl-4380	261	10	fl	fl	NOUN
hassl-4380	261	11	and	and	CCONJ
hassl-4380	261	12	facilitate	facilitate	VERB
hassl-4380	261	13	effective	effective	ADJ
hassl-4380	261	14	financial	financial	ADJ
hassl-4380	261	15	behaviors	behavior	NOUN
hassl-4380	261	16	:	:	PUNCT
hassl-4380	261	17	first	first	ADV
hassl-4380	261	18	,	,	PUNCT
hassl-4380	261	19	to	to	PART
hassl-4380	261	20	improve	improve	VERB
hassl-4380	261	21	financial	financial	ADJ
hassl-4380	261	22	literacy	literacy	NOUN
hassl-4380	261	23	,	,	PUNCT
hassl-4380	261	24	students	student	NOUN
hassl-4380	261	25	should	should	AUX
hassl-4380	261	26	learn	learn	VERB
hassl-4380	261	27	more	more	ADJ
hassl-4380	261	28	about	about	ADP
hassl-4380	261	29	personal	personal	ADJ
hassl-4380	261	30	finance	finance	NOUN
hassl-4380	261	31	through	through	ADP
hassl-4380	261	32	reading	read	VERB
hassl-4380	261	33	books	book	NOUN
hassl-4380	261	34	,	,	PUNCT
hassl-4380	261	35	newspapers	newspaper	NOUN
hassl-4380	261	36	,	,	PUNCT
hassl-4380	261	37	and	and	CCONJ
hassl-4380	261	38	mass	mass	ADJ
hassl-4380	261	39	media	medium	NOUN
hassl-4380	261	40	to	to	PART
hassl-4380	261	41	understand	understand	VERB
hassl-4380	261	42	basic	basic	ADJ
hassl-4380	261	43	financial	financial	ADJ
hassl-4380	261	44	concepts	concept	NOUN
hassl-4380	261	45	such	such	ADJ
hassl-4380	261	46	as	as	ADP
hassl-4380	261	47	debt	debt	NOUN
hassl-4380	261	48	management	management	NOUN
hassl-4380	261	49	,	,	PUNCT
hassl-4380	261	50	investing	investing	NOUN
hassl-4380	261	51	,	,	PUNCT
hassl-4380	261	52	saving	saving	NOUN
hassl-4380	261	53	,	,	PUNCT
hassl-4380	261	54	and	and	CCONJ
hassl-4380	261	55	budgeting	budgeting	NOUN
hassl-4380	261	56	,	,	PUNCT
hassl-4380	261	57	which	which	PRON
hassl-4380	261	58	ensure	ensure	VERB
hassl-4380	261	59	students	student	NOUN
hassl-4380	261	60	have	have	VERB
hassl-4380	261	61	strong	strong	ADJ
hassl-4380	261	62	financial	financial	ADJ
hassl-4380	261	63	knowledge	knowledge	NOUN
hassl-4380	261	64	to	to	PART
hassl-4380	261	65	develop	develop	VERB
hassl-4380	261	66	appropriate	appropriate	ADJ
hassl-4380	261	67	financial	financial	ADJ
hassl-4380	261	68	behaviors	behavior	NOUN
hassl-4380	261	69	according	accord	VERB
hassl-4380	261	70	to	to	ADP
hassl-4380	261	71	their	their	PRON
hassl-4380	261	72	income	income	NOUN
hassl-4380	261	73	and	and	CCONJ
hassl-4380	261	74	level	level	NOUN
hassl-4380	261	75	of	of	ADP
hassl-4380	261	76	knowledge	knowledge	NOUN
hassl-4380	261	77	.	.	PUNCT
hassl-4380	262	1	additionally	additionally	ADV
hassl-4380	262	2	,	,	PUNCT
hassl-4380	262	3	students	student	NOUN
hassl-4380	262	4	should	should	AUX
hassl-4380	262	5	explore	explore	VERB
hassl-4380	262	6	free	free	ADJ
hassl-4380	262	7	courses	course	NOUN
hassl-4380	262	8	or	or	CCONJ
hassl-4380	262	9	workshops	workshop	NOUN
hassl-4380	262	10	on	on	ADP
hassl-4380	262	11	personal	personal	ADJ
hassl-4380	262	12	finance	finance	NOUN
hassl-4380	262	13	offered	offer	VERB
hassl-4380	262	14	by	by	ADP
hassl-4380	262	15	reputable	reputable	ADJ
hassl-4380	262	16	institutions	institution	NOUN
hassl-4380	262	17	,	,	PUNCT
hassl-4380	262	18	such	such	ADJ
hassl-4380	262	19	as	as	ADP
hassl-4380	262	20	their	their	PRON
hassl-4380	262	21	university	university	NOUN
hassl-4380	262	22	or	or	CCONJ
hassl-4380	262	23	recognized	recognize	VERB
hassl-4380	262	24	organizations	organization	NOUN
hassl-4380	262	25	,	,	PUNCT
hassl-4380	262	26	to	to	PART
hassl-4380	262	27	enhance	enhance	VERB
hassl-4380	262	28	their	their	PRON
hassl-4380	262	29	financial	financial	ADJ
hassl-4380	262	30	knowledge	knowledge	NOUN
hassl-4380	262	31	.	.	PUNCT
hassl-4380	263	1	furthermore	furthermore	ADV
hassl-4380	263	2	,	,	PUNCT
hassl-4380	263	3	students	student	NOUN
hassl-4380	263	4	need	need	VERB
hassl-4380	263	5	to	to	PART
hassl-4380	263	6	participate	participate	VERB
hassl-4380	263	7	in	in	ADP
hassl-4380	263	8	online	online	ADJ
hassl-4380	263	9	forums	forum	NOUN
hassl-4380	263	10	to	to	PART
hassl-4380	263	11	gain	gain	VERB
hassl-4380	263	12	more	more	ADJ
hassl-4380	263	13	experience	experience	NOUN
hassl-4380	263	14	and	and	CCONJ
hassl-4380	263	15	learn	learn	VERB
hassl-4380	263	16	from	from	ADP
hassl-4380	263	17	predecessors	predecessor	NOUN
hassl-4380	263	18	who	who	PRON
hassl-4380	263	19	share	share	VERB
hassl-4380	263	20	their	their	PRON
hassl-4380	263	21	knowledge	knowledge	NOUN
hassl-4380	263	22	,	,	PUNCT
hassl-4380	263	23	thereby	thereby	ADV
hassl-4380	263	24	gradually	gradually	ADV
hassl-4380	263	25	expanding	expand	VERB
hassl-4380	263	26	their	their	PRON
hassl-4380	263	27	understanding	understanding	NOUN
hassl-4380	263	28	of	of	ADP
hassl-4380	263	29	investing	investing	NOUN
hassl-4380	263	30	,	,	PUNCT
hassl-4380	263	31	saving	saving	NOUN
hassl-4380	263	32	,	,	PUNCT
hassl-4380	263	33	and	and	CCONJ
hassl-4380	263	34	consumption	consumption	NOUN
hassl-4380	263	35	.	.	PUNCT
hassl-4380	264	1	humanities	humanity	NOUN
hassl-4380	264	2	and	and	CCONJ
hassl-4380	264	3	social	social	ADJ
hassl-4380	264	4	sciences	science	NOUN
hassl-4380	264	5	letters	letter	NOUN
hassl-4380	264	6	,	,	PUNCT
hassl-4380	264	7	2025	2025	NUM
hassl-4380	264	8	,	,	PUNCT
hassl-4380	264	9	13(3	13(3	NUM
hassl-4380	264	10	):	):	PUNCT
hassl-4380	264	11	1037	1037	NUM
hassl-4380	264	12	-	-	SYM
hassl-4380	264	13	1052	1052	NUM
hassl-4380	264	14	1048	1048	NUM
hassl-4380	264	15	©	©	PROPN
hassl-4380	264	16	2025	2025	NUM
hassl-4380	264	17	conscientia	conscientia	PROPN
hassl-4380	264	18	beam	beam	PROPN
hassl-4380	264	19	.	.	PUNCT
hassl-4380	265	1	all	all	DET
hassl-4380	265	2	rights	right	NOUN
hassl-4380	265	3	reserved	reserve	VERB
hassl-4380	265	4	.	.	PUNCT
hassl-4380	266	1	second	second	ADJ
hassl-4380	266	2	,	,	PUNCT
hassl-4380	266	3	students	student	NOUN
hassl-4380	266	4	need	need	VERB
hassl-4380	266	5	to	to	PART
hassl-4380	266	6	use	use	VERB
hassl-4380	266	7	financial	financial	ADJ
hassl-4380	266	8	management	management	NOUN
hassl-4380	266	9	applications	application	NOUN
hassl-4380	266	10	to	to	PART
hassl-4380	266	11	help	help	VERB
hassl-4380	266	12	them	they	PRON
hassl-4380	266	13	track	track	VERB
hassl-4380	266	14	daily	daily	ADJ
hassl-4380	266	15	budgets	budget	NOUN
hassl-4380	266	16	,	,	PUNCT
hassl-4380	266	17	manage	manage	VERB
hassl-4380	266	18	spending	spending	NOUN
hassl-4380	266	19	,	,	PUNCT
hassl-4380	266	20	and	and	CCONJ
hassl-4380	266	21	save	save	VERB
hassl-4380	266	22	money	money	NOUN
hassl-4380	266	23	,	,	PUNCT
hassl-4380	266	24	which	which	PRON
hassl-4380	266	25	supports	support	VERB
hassl-4380	266	26	students	student	NOUN
hassl-4380	266	27	in	in	ADP
hassl-4380	266	28	avoiding	avoid	VERB
hassl-4380	266	29	indiscriminate	indiscriminate	ADJ
hassl-4380	266	30	use	use	NOUN
hassl-4380	266	31	of	of	ADP
hassl-4380	266	32	money	money	NOUN
hassl-4380	266	33	and	and	CCONJ
hassl-4380	266	34	encourages	encourage	VERB
hassl-4380	266	35	wise	wise	ADJ
hassl-4380	266	36	use	use	NOUN
hassl-4380	266	37	for	for	ADP
hassl-4380	266	38	the	the	DET
hassl-4380	266	39	right	right	ADJ
hassl-4380	266	40	purposes	purpose	NOUN
hassl-4380	266	41	.	.	PUNCT
hassl-4380	267	1	furthermore	furthermore	ADV
hassl-4380	267	2	,	,	PUNCT
hassl-4380	267	3	students	student	NOUN
hassl-4380	267	4	need	need	VERB
hassl-4380	267	5	to	to	PART
hassl-4380	267	6	continuously	continuously	ADV
hassl-4380	267	7	update	update	VERB
hassl-4380	267	8	and	and	CCONJ
hassl-4380	267	9	evaluate	evaluate	VERB
hassl-4380	267	10	their	their	PRON
hassl-4380	267	11	knowledge	knowledge	NOUN
hassl-4380	267	12	in	in	ADP
hassl-4380	267	13	the	the	DET
hassl-4380	267	14	field	field	NOUN
hassl-4380	267	15	of	of	ADP
hassl-4380	267	16	finance	finance	NOUN
hassl-4380	267	17	because	because	SCONJ
hassl-4380	267	18	finance	finance	NOUN
hassl-4380	267	19	changes	change	VERB
hassl-4380	267	20	frequently	frequently	ADV
hassl-4380	267	21	.	.	PUNCT
hassl-4380	268	1	continuous	continuous	ADJ
hassl-4380	268	2	updating	updating	NOUN
hassl-4380	268	3	will	will	AUX
hassl-4380	268	4	help	help	VERB
hassl-4380	268	5	students	student	NOUN
hassl-4380	268	6	ensure	ensure	VERB
hassl-4380	268	7	that	that	SCONJ
hassl-4380	268	8	their	their	PRON
hassl-4380	268	9	financial	financial	ADJ
hassl-4380	268	10	decisions	decision	NOUN
hassl-4380	268	11	regarding	regard	VERB
hassl-4380	268	12	investing	invest	VERB
hassl-4380	268	13	and	and	CCONJ
hassl-4380	268	14	saving	saving	NOUN
hassl-4380	268	15	are	be	AUX
hassl-4380	268	16	reasonable	reasonable	ADJ
hassl-4380	268	17	and	and	CCONJ
hassl-4380	268	18	optimal	optimal	ADJ
hassl-4380	268	19	for	for	ADP
hassl-4380	268	20	their	their	PRON
hassl-4380	268	21	budgets	budget	NOUN
hassl-4380	268	22	.	.	PUNCT
hassl-4380	269	1	third	third	ADJ
hassl-4380	269	2	,	,	PUNCT
hassl-4380	269	3	to	to	PART
hassl-4380	269	4	make	make	VERB
hassl-4380	269	5	reasonable	reasonable	ADJ
hassl-4380	269	6	investment	investment	NOUN
hassl-4380	269	7	decisions	decision	NOUN
hassl-4380	269	8	,	,	PUNCT
hassl-4380	269	9	students	student	NOUN
hassl-4380	269	10	should	should	AUX
hassl-4380	269	11	join	join	VERB
hassl-4380	269	12	investment	investment	NOUN
hassl-4380	269	13	groups	group	NOUN
hassl-4380	269	14	or	or	CCONJ
hassl-4380	269	15	clubs	club	NOUN
hassl-4380	269	16	on	on	ADP
hassl-4380	269	17	campus	campus	NOUN
hassl-4380	269	18	or	or	CCONJ
hassl-4380	269	19	in	in	ADP
hassl-4380	269	20	the	the	DET
hassl-4380	269	21	community	community	NOUN
hassl-4380	269	22	to	to	PART
hassl-4380	269	23	have	have	VERB
hassl-4380	269	24	the	the	DET
hassl-4380	269	25	opportunity	opportunity	NOUN
hassl-4380	269	26	to	to	PART
hassl-4380	269	27	learn	learn	VERB
hassl-4380	269	28	from	from	ADP
hassl-4380	269	29	experienced	experienced	ADJ
hassl-4380	269	30	individuals	individual	NOUN
hassl-4380	269	31	and	and	CCONJ
hassl-4380	269	32	share	share	VERB
hassl-4380	269	33	information	information	NOUN
hassl-4380	269	34	about	about	ADP
hassl-4380	269	35	potential	potential	ADJ
hassl-4380	269	36	investment	investment	NOUN
hassl-4380	269	37	opportunities	opportunity	NOUN
hassl-4380	269	38	.	.	PUNCT
hassl-4380	270	1	moreover	moreover	ADV
hassl-4380	270	2	,	,	PUNCT
hassl-4380	270	3	the	the	DET
hassl-4380	270	4	clubs	club	NOUN
hassl-4380	270	5	regularly	regularly	ADV
hassl-4380	270	6	organize	organize	VERB
hassl-4380	270	7	investment	investment	NOUN
hassl-4380	270	8	seminars	seminar	NOUN
hassl-4380	270	9	,	,	PUNCT
hassl-4380	270	10	which	which	PRON
hassl-4380	270	11	help	help	VERB
hassl-4380	270	12	students	student	NOUN
hassl-4380	270	13	better	well	ADV
hassl-4380	270	14	understand	understand	VERB
hassl-4380	270	15	investment	investment	NOUN
hassl-4380	270	16	strategies	strategy	NOUN
hassl-4380	270	17	and	and	CCONJ
hassl-4380	270	18	risk	risk	NOUN
hassl-4380	270	19	management	management	NOUN
hassl-4380	270	20	.	.	PUNCT
hassl-4380	271	1	furthermore	furthermore	ADV
hassl-4380	271	2	,	,	PUNCT
hassl-4380	271	3	students	student	NOUN
hassl-4380	271	4	should	should	AUX
hassl-4380	271	5	read	read	VERB
hassl-4380	271	6	books	book	NOUN
hassl-4380	271	7	,	,	PUNCT
hassl-4380	271	8	articles	article	NOUN
hassl-4380	271	9	,	,	PUNCT
hassl-4380	271	10	and	and	CCONJ
hassl-4380	271	11	follow	follow	VERB
hassl-4380	271	12	reputable	reputable	ADJ
hassl-4380	271	13	investment	investment	NOUN
hassl-4380	271	14	information	information	NOUN
hassl-4380	271	15	channels	channel	NOUN
hassl-4380	271	16	to	to	PART
hassl-4380	271	17	stay	stay	VERB
hassl-4380	271	18	updated	update	VERB
hassl-4380	271	19	and	and	CCONJ
hassl-4380	271	20	analyze	analyze	VERB
hassl-4380	271	21	market	market	NOUN
hassl-4380	271	22	conditions	condition	NOUN
hassl-4380	271	23	for	for	ADP
hassl-4380	271	24	more	more	ADV
hassl-4380	271	25	effective	effective	ADJ
hassl-4380	271	26	investing	investing	NOUN
hassl-4380	271	27	.	.	PUNCT
hassl-4380	272	1	fourth	fourth	ADV
hassl-4380	272	2	,	,	PUNCT
hassl-4380	272	3	students	student	NOUN
hassl-4380	272	4	need	need	VERB
hassl-4380	272	5	to	to	PART
hassl-4380	272	6	identify	identify	VERB
hassl-4380	272	7	specific	specific	ADJ
hassl-4380	272	8	goals	goal	NOUN
hassl-4380	272	9	and	and	CCONJ
hassl-4380	272	10	establish	establish	VERB
hassl-4380	272	11	a	a	DET
hassl-4380	272	12	plan	plan	NOUN
hassl-4380	272	13	to	to	PART
hassl-4380	272	14	achieve	achieve	VERB
hassl-4380	272	15	those	those	DET
hassl-4380	272	16	goals	goal	NOUN
hassl-4380	272	17	.	.	PUNCT
hassl-4380	273	1	additionally	additionally	ADV
hassl-4380	273	2	,	,	PUNCT
hassl-4380	273	3	students	student	NOUN
hassl-4380	273	4	can	can	AUX
hassl-4380	273	5	seek	seek	VERB
hassl-4380	273	6	advice	advice	NOUN
hassl-4380	273	7	from	from	ADP
hassl-4380	273	8	financial	financial	ADJ
hassl-4380	273	9	experts	expert	NOUN
hassl-4380	273	10	to	to	PART
hassl-4380	273	11	receive	receive	VERB
hassl-4380	273	12	professional	professional	ADJ
hassl-4380	273	13	guidance	guidance	NOUN
hassl-4380	273	14	and	and	CCONJ
hassl-4380	273	15	can	can	AUX
hassl-4380	273	16	customize	customize	VERB
hassl-4380	273	17	their	their	PRON
hassl-4380	273	18	investment	investment	NOUN
hassl-4380	273	19	plans	plan	NOUN
hassl-4380	273	20	according	accord	VERB
hassl-4380	273	21	to	to	ADP
hassl-4380	273	22	each	each	DET
hassl-4380	273	23	specific	specific	ADJ
hassl-4380	273	24	case	case	NOUN
hassl-4380	273	25	.	.	PUNCT
hassl-4380	274	1	fifth	fifth	ADJ
hassl-4380	274	2	,	,	PUNCT
hassl-4380	274	3	students	student	NOUN
hassl-4380	274	4	should	should	AUX
hassl-4380	274	5	pay	pay	VERB
hassl-4380	274	6	attention	attention	NOUN
hassl-4380	274	7	to	to	ADP
hassl-4380	274	8	low	low	ADJ
hassl-4380	274	9	-	-	PUNCT
hassl-4380	274	10	risk	risk	NOUN
hassl-4380	274	11	investments	investment	NOUN
hassl-4380	274	12	such	such	ADJ
hassl-4380	274	13	as	as	ADP
hassl-4380	274	14	etfs	etfs	NOUN
hassl-4380	274	15	(	(	PUNCT
hassl-4380	274	16	exchange	exchange	NOUN
hassl-4380	274	17	-	-	PUNCT
hassl-4380	274	18	traded	trade	VERB
hassl-4380	274	19	funds	fund	NOUN
hassl-4380	274	20	)	)	PUNCT
hassl-4380	274	21	,	,	PUNCT
hassl-4380	274	22	savings	saving	NOUN
hassl-4380	274	23	funds	fund	NOUN
hassl-4380	274	24	,	,	PUNCT
hassl-4380	274	25	or	or	CCONJ
hassl-4380	274	26	government	government	NOUN
hassl-4380	274	27	bonds	bond	NOUN
hassl-4380	274	28	.	.	PUNCT
hassl-4380	275	1	these	these	DET
hassl-4380	275	2	types	type	NOUN
hassl-4380	275	3	of	of	ADP
hassl-4380	275	4	investments	investment	NOUN
hassl-4380	275	5	often	often	ADV
hassl-4380	275	6	have	have	VERB
hassl-4380	275	7	lower	low	ADJ
hassl-4380	275	8	risks	risk	NOUN
hassl-4380	275	9	than	than	ADP
hassl-4380	275	10	direct	direct	ADJ
hassl-4380	275	11	investments	investment	NOUN
hassl-4380	275	12	in	in	ADP
hassl-4380	275	13	stocks	stock	NOUN
hassl-4380	275	14	or	or	CCONJ
hassl-4380	275	15	real	real	ADJ
hassl-4380	275	16	estate	estate	NOUN
hassl-4380	275	17	,	,	PUNCT
hassl-4380	275	18	which	which	PRON
hassl-4380	275	19	ensures	ensure	VERB
hassl-4380	275	20	minimal	minimal	ADJ
hassl-4380	275	21	risk	risk	NOUN
hassl-4380	275	22	for	for	ADP
hassl-4380	275	23	students	student	NOUN
hassl-4380	275	24	,	,	PUNCT
hassl-4380	275	25	especially	especially	ADV
hassl-4380	275	26	those	those	PRON
hassl-4380	275	27	just	just	ADV
hassl-4380	275	28	starting	start	VERB
hassl-4380	275	29	to	to	PART
hassl-4380	275	30	learn	learn	VERB
hassl-4380	275	31	how	how	SCONJ
hassl-4380	275	32	to	to	PART
hassl-4380	275	33	invest	invest	VERB
hassl-4380	275	34	.	.	PUNCT
hassl-4380	276	1	sixth	sixth	ADV
hassl-4380	276	2	,	,	PUNCT
hassl-4380	276	3	to	to	PART
hassl-4380	276	4	avoid	avoid	VERB
hassl-4380	276	5	wasteful	wasteful	ADJ
hassl-4380	276	6	consumption	consumption	NOUN
hassl-4380	276	7	,	,	PUNCT
hassl-4380	276	8	students	student	NOUN
hassl-4380	276	9	should	should	AUX
hassl-4380	276	10	create	create	VERB
hassl-4380	276	11	a	a	DET
hassl-4380	276	12	monthly	monthly	ADJ
hassl-4380	276	13	spending	spending	NOUN
hassl-4380	276	14	plan	plan	NOUN
hassl-4380	276	15	and	and	CCONJ
hassl-4380	276	16	adhere	adhere	VERB
hassl-4380	276	17	to	to	ADP
hassl-4380	276	18	it	it	PRON
hassl-4380	276	19	.	.	PUNCT
hassl-4380	277	1	this	this	PRON
hassl-4380	277	2	helps	help	VERB
hassl-4380	277	3	students	student	NOUN
hassl-4380	277	4	prevent	prevent	VERB
hassl-4380	277	5	overspending	overspending	NOUN
hassl-4380	277	6	on	on	ADP
hassl-4380	277	7	unnecessary	unnecessary	ADJ
hassl-4380	277	8	items	item	NOUN
hassl-4380	277	9	.	.	PUNCT
hassl-4380	278	1	additionally	additionally	ADV
hassl-4380	278	2	,	,	PUNCT
hassl-4380	278	3	students	student	NOUN
hassl-4380	278	4	should	should	AUX
hassl-4380	278	5	look	look	VERB
hassl-4380	278	6	for	for	ADP
hassl-4380	278	7	promotions	promotion	NOUN
hassl-4380	278	8	and	and	CCONJ
hassl-4380	278	9	product	product	NOUN
hassl-4380	278	10	incentives	incentive	NOUN
hassl-4380	278	11	rather	rather	ADV
hassl-4380	278	12	than	than	ADP
hassl-4380	278	13	seeking	seek	VERB
hassl-4380	278	14	alternative	alternative	ADJ
hassl-4380	278	15	products	product	NOUN
hassl-4380	278	16	.	.	PUNCT
hassl-4380	279	1	furthermore	furthermore	ADV
hassl-4380	279	2	,	,	PUNCT
hassl-4380	279	3	students	student	NOUN
hassl-4380	279	4	need	need	VERB
hassl-4380	279	5	to	to	PART
hassl-4380	279	6	carefully	carefully	ADV
hassl-4380	279	7	consider	consider	VERB
hassl-4380	279	8	product	product	NOUN
hassl-4380	279	9	details	detail	NOUN
hassl-4380	279	10	,	,	PUNCT
hassl-4380	279	11	quality	quality	NOUN
hassl-4380	279	12	,	,	PUNCT
hassl-4380	279	13	and	and	CCONJ
hassl-4380	279	14	value	value	NOUN
hassl-4380	279	15	when	when	SCONJ
hassl-4380	279	16	shopping	shop	VERB
hassl-4380	279	17	to	to	PART
hassl-4380	279	18	avoid	avoid	VERB
hassl-4380	279	19	purchasing	purchase	VERB
hassl-4380	279	20	poor	poor	ADJ
hassl-4380	279	21	-	-	PUNCT
hassl-4380	279	22	quality	quality	NOUN
hassl-4380	279	23	items	item	NOUN
hassl-4380	279	24	that	that	PRON
hassl-4380	279	25	do	do	AUX
hassl-4380	279	26	not	not	PART
hassl-4380	279	27	meet	meet	VERB
hassl-4380	279	28	their	their	PRON
hassl-4380	279	29	needs	need	NOUN
hassl-4380	279	30	.	.	PUNCT
hassl-4380	280	1	finally	finally	ADV
hassl-4380	280	2	,	,	PUNCT
hassl-4380	280	3	universities	university	NOUN
hassl-4380	280	4	should	should	AUX
hassl-4380	280	5	design	design	VERB
hassl-4380	280	6	and	and	CCONJ
hassl-4380	280	7	integrate	integrate	VERB
hassl-4380	280	8	tailored	tailored	ADJ
hassl-4380	280	9	financial	financial	ADJ
hassl-4380	280	10	education	education	NOUN
hassl-4380	280	11	programs	program	NOUN
hassl-4380	280	12	into	into	ADP
hassl-4380	280	13	their	their	PRON
hassl-4380	280	14	training	training	NOUN
hassl-4380	280	15	curricula	curricula	NOUN
hassl-4380	280	16	,	,	PUNCT
hassl-4380	280	17	taking	take	VERB
hassl-4380	280	18	into	into	ADP
hassl-4380	280	19	account	account	NOUN
hassl-4380	280	20	the	the	DET
hassl-4380	280	21	diverse	diverse	ADJ
hassl-4380	280	22	levels	level	NOUN
hassl-4380	280	23	of	of	ADP
hassl-4380	280	24	students	student	NOUN
hassl-4380	280	25	'	'	PART
hassl-4380	280	26	financial	financial	ADJ
hassl-4380	280	27	literacy	literacy	NOUN
hassl-4380	280	28	.	.	PUNCT
hassl-4380	281	1	the	the	DET
hassl-4380	281	2	findings	finding	NOUN
hassl-4380	281	3	of	of	ADP
hassl-4380	281	4	this	this	DET
hassl-4380	281	5	study	study	NOUN
hassl-4380	281	6	reveal	reveal	VERB
hassl-4380	281	7	that	that	SCONJ
hassl-4380	281	8	students	student	NOUN
hassl-4380	281	9	with	with	ADP
hassl-4380	281	10	a	a	DET
hassl-4380	281	11	high	high	ADJ
hassl-4380	281	12	level	level	NOUN
hassl-4380	281	13	of	of	ADP
hassl-4380	281	14	financial	financial	ADJ
hassl-4380	281	15	literacy	literacy	NOUN
hassl-4380	281	16	exhibit	exhibit	VERB
hassl-4380	281	17	a	a	DET
hassl-4380	281	18	greater	great	ADJ
hassl-4380	281	19	inclination	inclination	NOUN
hassl-4380	281	20	toward	toward	ADP
hassl-4380	281	21	investment	investment	NOUN
hassl-4380	281	22	activities	activity	NOUN
hassl-4380	281	23	and	and	CCONJ
hassl-4380	281	24	complex	complex	ADJ
hassl-4380	281	25	consumption	consumption	NOUN
hassl-4380	281	26	behaviors	behavior	NOUN
hassl-4380	281	27	,	,	PUNCT
hassl-4380	281	28	while	while	SCONJ
hassl-4380	281	29	students	student	NOUN
hassl-4380	281	30	with	with	ADP
hassl-4380	281	31	lower	low	ADJ
hassl-4380	281	32	financial	financial	ADJ
hassl-4380	281	33	literacy	literacy	NOUN
hassl-4380	281	34	primarily	primarily	ADV
hassl-4380	281	35	emphasize	emphasize	VERB
hassl-4380	281	36	saving	saving	NOUN
hassl-4380	281	37	practices	practice	NOUN
hassl-4380	281	38	.	.	PUNCT
hassl-4380	282	1	additionally	additionally	ADV
hassl-4380	282	2	,	,	PUNCT
hassl-4380	282	3	the	the	DET
hassl-4380	282	4	differentiated	differentiated	ADJ
hassl-4380	282	5	educational	educational	ADJ
hassl-4380	282	6	approach	approach	NOUN
hassl-4380	282	7	in	in	ADP
hassl-4380	282	8	universities	university	NOUN
hassl-4380	282	9	ensures	ensure	VERB
hassl-4380	282	10	all	all	DET
hassl-4380	282	11	students	student	NOUN
hassl-4380	282	12	receive	receive	VERB
hassl-4380	282	13	relevant	relevant	ADJ
hassl-4380	282	14	,	,	PUNCT
hassl-4380	282	15	impactful	impactful	ADJ
hassl-4380	282	16	financial	financial	ADJ
hassl-4380	282	17	education	education	NOUN
hassl-4380	282	18	,	,	PUNCT
hassl-4380	282	19	thereby	thereby	ADV
hassl-4380	282	20	enhancing	enhance	VERB
hassl-4380	282	21	their	their	PRON
hassl-4380	282	22	overall	overall	ADJ
hassl-4380	282	23	financial	financial	ADJ
hassl-4380	282	24	decision	decision	NOUN
hassl-4380	282	25	-	-	PUNCT
hassl-4380	282	26	making	make	VERB
hassl-4380	282	27	abilities	ability	NOUN
hassl-4380	282	28	.	.	PUNCT
hassl-4380	283	1	funding	funding	NOUN
hassl-4380	283	2	:	:	PUNCT
hassl-4380	283	3	this	this	DET
hassl-4380	283	4	research	research	NOUN
hassl-4380	283	5	is	be	AUX
hassl-4380	283	6	supported	support	VERB
hassl-4380	283	7	by	by	ADP
hassl-4380	283	8	banking	banking	NOUN
hassl-4380	283	9	academy	academy	PROPN
hassl-4380	283	10	of	of	ADP
hassl-4380	283	11	vietnam	vietnam	PROPN
hassl-4380	283	12	(	(	PUNCT
hassl-4380	283	13	grant	grant	PROPN
hassl-4380	283	14	number	number	NOUN
hassl-4380	283	15	:	:	PUNCT
hassl-4380	283	16	4990	4990	NUM
hassl-4380	283	17	/	/	SYM
hassl-4380	283	18	tb	tb	NOUN
hassl-4380	283	19	-	-	PUNCT
hassl-4380	283	20	hvnh	hvnh	NOUN
hassl-4380	283	21	)	)	PUNCT
hassl-4380	283	22	.	.	PUNCT
hassl-4380	284	1	institutional	institutional	ADJ
hassl-4380	284	2	review	review	PROPN
hassl-4380	284	3	board	board	NOUN
hassl-4380	284	4	statement	statement	NOUN
hassl-4380	284	5	:	:	PUNCT
hassl-4380	284	6	the	the	DET
hassl-4380	284	7	ethical	ethical	ADJ
hassl-4380	284	8	committee	committee	NOUN
hassl-4380	284	9	of	of	ADP
hassl-4380	284	10	the	the	DET
hassl-4380	284	11	banking	banking	NOUN
hassl-4380	284	12	academy	academy	PROPN
hassl-4380	284	13	of	of	ADP
hassl-4380	284	14	vietnam	vietnam	PROPN
hassl-4380	284	15	,	,	PUNCT
hassl-4380	284	16	vietnam	vietnam	PROPN
hassl-4380	284	17	has	have	AUX
hassl-4380	284	18	granted	grant	VERB
hassl-4380	284	19	approval	approval	NOUN
hassl-4380	284	20	for	for	ADP
hassl-4380	284	21	this	this	DET
hassl-4380	284	22	study	study	NOUN
hassl-4380	284	23	26	26	NUM
hassl-4380	284	24	june	june	PROPN
hassl-4380	284	25	2024	2024	NUM
hassl-4380	284	26	(	(	PUNCT
hassl-4380	284	27	ref	ref	NOUN
hassl-4380	284	28	.	.	PUNCT
hassl-4380	285	1	no	no	INTJ
hassl-4380	285	2	.	.	NOUN
hassl-4380	286	1	2795	2795	NUM
hassl-4380	286	2	/	/	SYM
hassl-4380	286	3	qđ	qđ	NOUN
hassl-4380	286	4	-	-	PUNCT
hassl-4380	286	5	hvnh	hvnh	NOUN
hassl-4380	286	6	)	)	PUNCT
hassl-4380	286	7	.	.	PUNCT
hassl-4380	287	1	transparency	transparency	NOUN
hassl-4380	287	2	:	:	PUNCT
hassl-4380	287	3	the	the	DET
hassl-4380	287	4	authors	author	NOUN
hassl-4380	287	5	state	state	VERB
hassl-4380	287	6	that	that	SCONJ
hassl-4380	287	7	the	the	DET
hassl-4380	287	8	manuscript	manuscript	NOUN
hassl-4380	287	9	is	be	AUX
hassl-4380	287	10	honest	honest	ADJ
hassl-4380	287	11	,	,	PUNCT
hassl-4380	287	12	truthful	truthful	ADJ
hassl-4380	287	13	,	,	PUNCT
hassl-4380	287	14	and	and	CCONJ
hassl-4380	287	15	transparent	transparent	ADJ
hassl-4380	287	16	,	,	PUNCT
hassl-4380	287	17	that	that	SCONJ
hassl-4380	287	18	no	no	DET
hassl-4380	287	19	key	key	ADJ
hassl-4380	287	20	aspects	aspect	NOUN
hassl-4380	287	21	of	of	ADP
hassl-4380	287	22	the	the	DET
hassl-4380	287	23	investigation	investigation	NOUN
hassl-4380	287	24	have	have	AUX
hassl-4380	287	25	been	be	AUX
hassl-4380	287	26	omitted	omit	VERB
hassl-4380	287	27	,	,	PUNCT
hassl-4380	287	28	and	and	CCONJ
hassl-4380	287	29	that	that	SCONJ
hassl-4380	287	30	any	any	DET
hassl-4380	287	31	differences	difference	NOUN
hassl-4380	287	32	from	from	ADP
hassl-4380	287	33	the	the	DET
hassl-4380	287	34	study	study	NOUN
hassl-4380	287	35	as	as	SCONJ
hassl-4380	287	36	planned	plan	VERB
hassl-4380	287	37	have	have	AUX
hassl-4380	287	38	been	be	AUX
hassl-4380	287	39	clarified	clarify	VERB
hassl-4380	287	40	.	.	PUNCT
hassl-4380	288	1	this	this	DET
hassl-4380	288	2	study	study	NOUN
hassl-4380	288	3	followed	follow	VERB
hassl-4380	288	4	all	all	PRON
hassl-4380	288	5	writing	write	VERB
hassl-4380	288	6	ethics	ethic	NOUN
hassl-4380	288	7	.	.	PUNCT
hassl-4380	289	1	competing	compete	VERB
hassl-4380	289	2	interests	interest	NOUN
hassl-4380	289	3	:	:	PUNCT
hassl-4380	289	4	the	the	DET
hassl-4380	289	5	authors	author	NOUN
hassl-4380	289	6	declare	declare	VERB
hassl-4380	289	7	that	that	SCONJ
hassl-4380	289	8	they	they	PRON
hassl-4380	289	9	have	have	VERB
hassl-4380	289	10	no	no	DET
hassl-4380	289	11	competing	compete	VERB
hassl-4380	289	12	interests	interest	NOUN
hassl-4380	289	13	.	.	PUNCT
hassl-4380	290	1	authors	author	NOUN
hassl-4380	290	2	’	'	PUNCT
hassl-4380	290	3	contributions	contribution	NOUN
hassl-4380	290	4	:	:	PUNCT
hassl-4380	290	5	introduction	introduction	NOUN
hassl-4380	290	6	,	,	PUNCT
hassl-4380	290	7	theoretical	theoretical	ADJ
hassl-4380	290	8	framework	framework	NOUN
hassl-4380	290	9	and	and	CCONJ
hassl-4380	290	10	literature	literature	PROPN
hassl-4380	290	11	review	review	PROPN
hassl-4380	290	12	,	,	PUNCT
hassl-4380	290	13	conclusion	conclusion	NOUN
hassl-4380	290	14	and	and	CCONJ
hassl-4380	290	15	recommendations	recommendation	NOUN
hassl-4380	290	16	:	:	PUNCT
hassl-4380	290	17	h.t.t.t	h.t.t.t	X
hassl-4380	290	18	.	.	PUNCT
hassl-4380	290	19	;	;	PUNCT
hassl-4380	290	20	methodology	methodology	NOUN
hassl-4380	290	21	and	and	CCONJ
hassl-4380	290	22	data	datum	NOUN
hassl-4380	290	23	,	,	PUNCT
hassl-4380	290	24	empirical	empirical	ADJ
hassl-4380	290	25	results	result	NOUN
hassl-4380	290	26	and	and	CCONJ
hassl-4380	290	27	discussions	discussion	NOUN
hassl-4380	290	28	:	:	PUNCT
hassl-4380	290	29	q.n.k	q.n.k	ADJ
hassl-4380	290	30	.	.	PUNCT
hassl-4380	290	31	,	,	PUNCT
hassl-4380	290	32	v.n.k	v.n.k	ADJ
hassl-4380	290	33	.	.	PUNCT
hassl-4380	290	34	,	,	PUNCT
hassl-4380	290	35	m.d.p	m.d.p	PROPN
hassl-4380	290	36	.	.	PROPN
hassl-4380	290	37	,	,	PUNCT
hassl-4380	290	38	d.h.t	d.h.t	PROPN
hassl-4380	290	39	.	.	PUNCT
hassl-4380	291	1	all	all	DET
hassl-4380	291	2	others	other	NOUN
hassl-4380	291	3	have	have	AUX
hassl-4380	291	4	read	read	VERB
hassl-4380	291	5	and	and	CCONJ
hassl-4380	291	6	agreed	agree	VERB
hassl-4380	291	7	to	to	ADP
hassl-4380	291	8	the	the	DET
hassl-4380	291	9	published	publish	VERB
hassl-4380	291	10	version	version	NOUN
hassl-4380	291	11	of	of	ADP
hassl-4380	291	12	the	the	DET
hassl-4380	291	13	manuscript	manuscript	NOUN
hassl-4380	291	14	.	.	PUNCT
hassl-4380	292	1	references	reference	NOUN
hassl-4380	292	2	abdeldayem	abdeldayem	VERB
hassl-4380	292	3	,	,	PUNCT
hassl-4380	292	4	m.	m.	NOUN
hassl-4380	292	5	m.	m.	NOUN
hassl-4380	292	6	(	(	PUNCT
hassl-4380	292	7	2016	2016	NUM
hassl-4380	292	8	)	)	PUNCT
hassl-4380	292	9	.	.	PUNCT
hassl-4380	293	1	is	be	AUX
hassl-4380	293	2	there	there	PRON
hassl-4380	293	3	a	a	DET
hassl-4380	293	4	relationship	relationship	NOUN
hassl-4380	293	5	between	between	ADP
hassl-4380	293	6	financial	financial	ADJ
hassl-4380	293	7	literacy	literacy	NOUN
hassl-4380	293	8	and	and	CCONJ
hassl-4380	293	9	investment	investment	NOUN
hassl-4380	293	10	decisions	decision	NOUN
hassl-4380	293	11	in	in	ADP
hassl-4380	293	12	the	the	DET
hassl-4380	293	13	kingdom	kingdom	NOUN
hassl-4380	293	14	of	of	ADP
hassl-4380	293	15	bahrain	bahrain	NOUN
hassl-4380	293	16	.	.	PUNCT
hassl-4380	294	1	journal	journal	PROPN
hassl-4380	294	2	of	of	ADP
hassl-4380	294	3	management	management	NOUN
hassl-4380	294	4	and	and	CCONJ
hassl-4380	294	5	accounting	accounting	NOUN
hassl-4380	294	6	studies	study	NOUN
hassl-4380	294	7	,	,	PUNCT
hassl-4380	294	8	4(02	4(02	NUM
hassl-4380	294	9	)	)	PUNCT
hassl-4380	294	10	,	,	PUNCT
hassl-4380	294	11	68	68	NUM
hassl-4380	294	12	-	-	SYM
hassl-4380	294	13	78	78	NUM
hassl-4380	294	14	.	.	PUNCT
hassl-4380	295	1	afsar	afsar	PROPN
hassl-4380	295	2	,	,	PUNCT
hassl-4380	295	3	j.	j.	PROPN
hassl-4380	295	4	,	,	PUNCT
hassl-4380	295	5	chaudhary	chaudhary	PROPN
hassl-4380	295	6	,	,	PUNCT
hassl-4380	295	7	g.	g.	PROPN
hassl-4380	295	8	m.	m.	PROPN
hassl-4380	295	9	,	,	PUNCT
hassl-4380	295	10	iqbal	iqbal	PROPN
hassl-4380	295	11	,	,	PUNCT
hassl-4380	295	12	z.	z.	PROPN
hassl-4380	295	13	,	,	PUNCT
hassl-4380	295	14	&	&	CCONJ
hassl-4380	295	15	aamir	aamir	PROPN
hassl-4380	295	16	,	,	PUNCT
hassl-4380	295	17	m.	m.	NOUN
hassl-4380	295	18	(	(	PUNCT
hassl-4380	295	19	2018	2018	NUM
hassl-4380	295	20	)	)	PUNCT
hassl-4380	295	21	.	.	PUNCT
hassl-4380	296	1	impact	impact	NOUN
hassl-4380	296	2	of	of	ADP
hassl-4380	296	3	financial	financial	ADJ
hassl-4380	296	4	literacy	literacy	NOUN
hassl-4380	296	5	and	and	CCONJ
hassl-4380	296	6	parental	parental	ADJ
hassl-4380	296	7	socialization	socialization	NOUN
hassl-4380	296	8	on	on	ADP
hassl-4380	296	9	the	the	DET
hassl-4380	296	10	saving	save	VERB
hassl-4380	296	11	behavior	behavior	NOUN
hassl-4380	296	12	of	of	ADP
hassl-4380	296	13	university	university	NOUN
hassl-4380	296	14	level	level	NOUN
hassl-4380	296	15	students	student	NOUN
hassl-4380	296	16	.	.	PUNCT
hassl-4380	297	1	journal	journal	NOUN
hassl-4380	297	2	of	of	ADP
hassl-4380	297	3	accounting	accounting	NOUN
hassl-4380	297	4	and	and	CCONJ
hassl-4380	297	5	finance	finance	NOUN
hassl-4380	297	6	in	in	ADP
hassl-4380	297	7	emerging	emerge	VERB
hassl-4380	297	8	economies	economy	NOUN
hassl-4380	297	9	,	,	PUNCT
hassl-4380	297	10	4(2	4(2	NUM
hassl-4380	297	11	)	)	PUNCT
hassl-4380	297	12	,	,	PUNCT
hassl-4380	297	13	133	133	NUM
hassl-4380	297	14	-	-	SYM
hassl-4380	297	15	140	140	NUM
hassl-4380	297	16	.	.	PUNCT
hassl-4380	298	1	almansour	almansour	PROPN
hassl-4380	298	2	,	,	PUNCT
hassl-4380	298	3	b.	b.	PROPN
hassl-4380	298	4	y.	y.	PROPN
hassl-4380	298	5	,	,	PUNCT
hassl-4380	298	6	elkrghli	elkrghli	PROPN
hassl-4380	298	7	,	,	PUNCT
hassl-4380	298	8	s.	s.	PROPN
hassl-4380	298	9	,	,	PUNCT
hassl-4380	298	10	&	&	CCONJ
hassl-4380	298	11	almansour	almansour	PROPN
hassl-4380	298	12	,	,	PUNCT
hassl-4380	298	13	a.	a.	NOUN
hassl-4380	298	14	y.	y.	PROPN
hassl-4380	298	15	(	(	PUNCT
hassl-4380	298	16	2023	2023	NUM
hassl-4380	298	17	)	)	PUNCT
hassl-4380	298	18	.	.	PUNCT
hassl-4380	299	1	behavioral	behavioral	ADJ
hassl-4380	299	2	finance	finance	NOUN
hassl-4380	299	3	factors	factor	NOUN
hassl-4380	299	4	and	and	CCONJ
hassl-4380	299	5	investment	investment	NOUN
hassl-4380	299	6	decisions	decision	NOUN
hassl-4380	299	7	:	:	PUNCT
hassl-4380	299	8	a	a	DET
hassl-4380	299	9	mediating	mediate	VERB
hassl-4380	299	10	role	role	NOUN
hassl-4380	299	11	of	of	ADP
hassl-4380	299	12	risk	risk	NOUN
hassl-4380	299	13	perception	perception	NOUN
hassl-4380	299	14	.	.	PUNCT
hassl-4380	300	1	cogent	cogent	NOUN
hassl-4380	300	2	economics	economics	PROPN
hassl-4380	300	3	&	&	CCONJ
hassl-4380	300	4	finance	finance	PROPN
hassl-4380	300	5	,	,	PUNCT
hassl-4380	300	6	11(2	11(2	NUM
hassl-4380	300	7	)	)	PUNCT
hassl-4380	300	8	,	,	PUNCT
hassl-4380	300	9	2239032	2239032	NUM
hassl-4380	300	10	.	.	PUNCT
hassl-4380	301	1	ariffin	ariffin	PROPN
hassl-4380	301	2	,	,	PUNCT
hassl-4380	301	3	m.	m.	PROPN
hassl-4380	301	4	r.	r.	PROPN
hassl-4380	301	5	,	,	PUNCT
hassl-4380	301	6	sulong	sulong	PROPN
hassl-4380	301	7	,	,	PUNCT
hassl-4380	301	8	z.	z.	PROPN
hassl-4380	301	9	,	,	PUNCT
hassl-4380	301	10	&	&	CCONJ
hassl-4380	301	11	abdullah	abdullah	PROPN
hassl-4380	301	12	,	,	PUNCT
hassl-4380	301	13	a.	a.	NOUN
hassl-4380	301	14	(	(	PUNCT
hassl-4380	301	15	2017	2017	NUM
hassl-4380	301	16	)	)	PUNCT
hassl-4380	301	17	.	.	PUNCT
hassl-4380	302	1	students	student	NOUN
hassl-4380	302	2	’	'	PUNCT
hassl-4380	302	3	perception	perception	NOUN
hassl-4380	302	4	towards	towards	ADP
hassl-4380	302	5	financial	financial	ADJ
hassl-4380	302	6	literacy	literacy	NOUN
hassl-4380	302	7	,	,	PUNCT
hassl-4380	302	8	&	&	CCONJ
hassl-4380	302	9	saving	save	VERB
hassl-4380	302	10	behaviour	behaviour	NOUN
hassl-4380	302	11	.	.	PUNCT
hassl-4380	303	1	world	world	PROPN
hassl-4380	303	2	applied	apply	VERB
hassl-4380	303	3	sciences	science	NOUN
hassl-4380	303	4	journal	journal	NOUN
hassl-4380	303	5	,	,	PUNCT
hassl-4380	303	6	35(10	35(10	NUM
hassl-4380	303	7	)	)	PUNCT
hassl-4380	303	8	,	,	PUNCT
hassl-4380	303	9	2194–2201	2194–2201	NUM
hassl-4380	303	10	.	.	PUNCT
hassl-4380	304	1	humanities	humanity	NOUN
hassl-4380	304	2	and	and	CCONJ
hassl-4380	304	3	social	social	ADJ
hassl-4380	304	4	sciences	science	NOUN
hassl-4380	304	5	letters	letter	NOUN
hassl-4380	304	6	,	,	PUNCT
hassl-4380	304	7	2025	2025	NUM
hassl-4380	304	8	,	,	PUNCT
hassl-4380	304	9	13(3	13(3	NUM
hassl-4380	304	10	):	):	PUNCT
hassl-4380	304	11	1037	1037	NUM
hassl-4380	304	12	-	-	SYM
hassl-4380	304	13	1052	1052	NUM
hassl-4380	304	14	1049	1049	NUM
hassl-4380	304	15	©	©	PROPN
hassl-4380	304	16	2025	2025	NUM
hassl-4380	304	17	conscientia	conscientia	PROPN
hassl-4380	304	18	beam	beam	PROPN
hassl-4380	304	19	.	.	PUNCT
hassl-4380	305	1	all	all	DET
hassl-4380	305	2	rights	right	NOUN
hassl-4380	305	3	reserved	reserve	VERB
hassl-4380	305	4	.	.	PUNCT
hassl-4380	306	1	asaad	asaad	PROPN
hassl-4380	306	2	,	,	PUNCT
hassl-4380	306	3	c.	c.	PROPN
hassl-4380	306	4	t.	t.	PROPN
hassl-4380	306	5	(	(	PUNCT
hassl-4380	306	6	2015	2015	NUM
hassl-4380	306	7	)	)	PUNCT
hassl-4380	306	8	.	.	PUNCT
hassl-4380	307	1	financial	financial	ADJ
hassl-4380	307	2	literacy	literacy	NOUN
hassl-4380	307	3	and	and	CCONJ
hassl-4380	307	4	financial	financial	ADJ
hassl-4380	307	5	behavior	behavior	NOUN
hassl-4380	307	6	:	:	PUNCT
hassl-4380	307	7	assessing	assess	VERB
hassl-4380	307	8	knowledge	knowledge	NOUN
hassl-4380	307	9	and	and	CCONJ
hassl-4380	307	10	confidence	confidence	NOUN
hassl-4380	307	11	.	.	PUNCT
hassl-4380	308	1	financial	financial	ADJ
hassl-4380	308	2	services	service	NOUN
hassl-4380	308	3	review	review	PROPN
hassl-4380	308	4	,	,	PUNCT
hassl-4380	308	5	24(2	24(2	NUM
hassl-4380	308	6	)	)	PUNCT
hassl-4380	308	7	,	,	PUNCT
hassl-4380	308	8	101	101	NUM
hassl-4380	308	9	-	-	SYM
hassl-4380	308	10	117	117	NUM
hassl-4380	308	11	.	.	PUNCT
hassl-4380	309	1	awais	awais	PROPN
hassl-4380	309	2	,	,	PUNCT
hassl-4380	309	3	m.	m.	NOUN
hassl-4380	309	4	,	,	PUNCT
hassl-4380	309	5	laber	laber	PROPN
hassl-4380	309	6	,	,	PUNCT
hassl-4380	309	7	m.	m.	PROPN
hassl-4380	309	8	f.	f.	PROPN
hassl-4380	309	9	,	,	PUNCT
hassl-4380	309	10	rasheed	rasheed	NOUN
hassl-4380	309	11	,	,	PUNCT
hassl-4380	309	12	n.	n.	NOUN
hassl-4380	309	13	,	,	PUNCT
hassl-4380	309	14	&	&	CCONJ
hassl-4380	309	15	khursheed	khursheed	PROPN
hassl-4380	309	16	,	,	PUNCT
hassl-4380	309	17	a.	a.	NOUN
hassl-4380	309	18	(	(	PUNCT
hassl-4380	309	19	2016	2016	NUM
hassl-4380	309	20	)	)	PUNCT
hassl-4380	309	21	.	.	PUNCT
hassl-4380	310	1	impact	impact	NOUN
hassl-4380	310	2	of	of	ADP
hassl-4380	310	3	financial	financial	ADJ
hassl-4380	310	4	literacy	literacy	NOUN
hassl-4380	310	5	and	and	CCONJ
hassl-4380	310	6	investment	investment	NOUN
hassl-4380	310	7	experience	experience	NOUN
hassl-4380	310	8	on	on	ADP
hassl-4380	310	9	risk	risk	NOUN
hassl-4380	310	10	tolerance	tolerance	NOUN
hassl-4380	310	11	and	and	CCONJ
hassl-4380	310	12	investment	investment	NOUN
hassl-4380	310	13	decisions	decision	NOUN
hassl-4380	310	14	:	:	PUNCT
hassl-4380	310	15	empirical	empirical	ADJ
hassl-4380	310	16	evidence	evidence	NOUN
hassl-4380	310	17	from	from	ADP
hassl-4380	310	18	pakistan	pakistan	PROPN
hassl-4380	310	19	.	.	PUNCT
hassl-4380	311	1	international	international	ADJ
hassl-4380	311	2	journal	journal	PROPN
hassl-4380	311	3	of	of	ADP
hassl-4380	311	4	economics	economic	NOUN
hassl-4380	311	5	and	and	CCONJ
hassl-4380	311	6	financial	financial	ADJ
hassl-4380	311	7	issues	issue	NOUN
hassl-4380	311	8	,	,	PUNCT
hassl-4380	311	9	6(1	6(1	NUM
hassl-4380	311	10	)	)	PUNCT
hassl-4380	311	11	,	,	PUNCT
hassl-4380	311	12	73	73	NUM
hassl-4380	311	13	-	-	SYM
hassl-4380	311	14	79	79	NUM
hassl-4380	311	15	.	.	PUNCT
hassl-4380	312	1	baihaqqy	baihaqqy	ADV
hassl-4380	312	2	,	,	PUNCT
hassl-4380	312	3	m.	m.	PROPN
hassl-4380	312	4	r.	r.	PROPN
hassl-4380	312	5	i.	i.	PROPN
hassl-4380	312	6	,	,	PUNCT
hassl-4380	312	7	disman	disman	NOUN
hassl-4380	312	8	,	,	PUNCT
hassl-4380	312	9	n.	n.	NOUN
hassl-4380	312	10	,	,	PUNCT
hassl-4380	312	11	sari	sari	NOUN
hassl-4380	312	12	,	,	PUNCT
hassl-4380	312	13	m.	m.	NOUN
hassl-4380	312	14	,	,	PUNCT
hassl-4380	312	15	&	&	CCONJ
hassl-4380	312	16	ikhsan	ikhsan	ADJ
hassl-4380	312	17	,	,	PUNCT
hassl-4380	312	18	s.	s.	PROPN
hassl-4380	312	19	(	(	PUNCT
hassl-4380	312	20	2020	2020	NUM
hassl-4380	312	21	)	)	PUNCT
hassl-4380	312	22	.	.	PUNCT
hassl-4380	313	1	the	the	DET
hassl-4380	313	2	effect	effect	NOUN
hassl-4380	313	3	of	of	ADP
hassl-4380	313	4	financial	financial	ADJ
hassl-4380	313	5	literacy	literacy	NOUN
hassl-4380	313	6	on	on	ADP
hassl-4380	313	7	the	the	DET
hassl-4380	313	8	investment	investment	NOUN
hassl-4380	313	9	decision	decision	NOUN
hassl-4380	313	10	.	.	PUNCT
hassl-4380	314	1	budapest	budapest	PROPN
hassl-4380	314	2	international	international	ADJ
hassl-4380	314	3	research	research	PROPN
hassl-4380	314	4	and	and	CCONJ
hassl-4380	314	5	critics	critic	NOUN
hassl-4380	314	6	institute	institute	PROPN
hassl-4380	314	7	-	-	PUNCT
hassl-4380	314	8	journal	journal	PROPN
hassl-4380	314	9	,	,	PUNCT
hassl-4380	314	10	3(4	3(4	NUM
hassl-4380	314	11	)	)	PUNCT
hassl-4380	314	12	,	,	PUNCT
hassl-4380	314	13	3073	3073	NUM
hassl-4380	314	14	-	-	SYM
hassl-4380	314	15	3083	3083	NUM
hassl-4380	314	16	.	.	PUNCT
hassl-4380	315	1	barbić	barbić	PROPN
hassl-4380	315	2	,	,	PUNCT
hassl-4380	315	3	d.	d.	PROPN
hassl-4380	315	4	,	,	PUNCT
hassl-4380	315	5	lučić	lučić	PROPN
hassl-4380	315	6	,	,	PUNCT
hassl-4380	315	7	a.	a.	NOUN
hassl-4380	315	8	,	,	PUNCT
hassl-4380	315	9	&	&	CCONJ
hassl-4380	315	10	chen	chen	PROPN
hassl-4380	315	11	,	,	PUNCT
hassl-4380	315	12	j.	j.	PROPN
hassl-4380	315	13	m.	m.	PROPN
hassl-4380	315	14	(	(	PUNCT
hassl-4380	315	15	2019	2019	NUM
hassl-4380	315	16	)	)	PUNCT
hassl-4380	315	17	.	.	PUNCT
hassl-4380	316	1	measuring	measure	VERB
hassl-4380	316	2	responsible	responsible	ADJ
hassl-4380	316	3	financial	financial	ADJ
hassl-4380	316	4	consumption	consumption	NOUN
hassl-4380	316	5	behaviour	behaviour	NOUN
hassl-4380	316	6	.	.	PUNCT
hassl-4380	317	1	international	international	ADJ
hassl-4380	317	2	journal	journal	PROPN
hassl-4380	317	3	of	of	ADP
hassl-4380	317	4	consumer	consumer	NOUN
hassl-4380	317	5	studies	study	NOUN
hassl-4380	317	6	,	,	PUNCT
hassl-4380	317	7	43(1	43(1	NOUN
hassl-4380	317	8	)	)	PUNCT
hassl-4380	317	9	,	,	PUNCT
hassl-4380	317	10	102	102	NUM
hassl-4380	317	11	-	-	SYM
hassl-4380	317	12	112	112	NUM
hassl-4380	317	13	.	.	PUNCT
hassl-4380	318	1	barr	barr	PROPN
hassl-4380	318	2	,	,	PUNCT
hassl-4380	318	3	m.	m.	PROPN
hassl-4380	318	4	j.	j.	PROPN
hassl-4380	318	5	,	,	PUNCT
hassl-4380	318	6	&	&	CCONJ
hassl-4380	318	7	mcclellan	mcclellan	PROPN
hassl-4380	318	8	,	,	PUNCT
hassl-4380	318	9	g.	g.	PROPN
hassl-4380	318	10	s.	s.	PROPN
hassl-4380	318	11	(	(	PUNCT
hassl-4380	318	12	2018	2018	NUM
hassl-4380	318	13	)	)	PUNCT
hassl-4380	318	14	.	.	PUNCT
hassl-4380	319	1	budgets	budget	NOUN
hassl-4380	319	2	,	,	PUNCT
hassl-4380	319	3	&	&	CCONJ
hassl-4380	319	4	financial	financial	ADJ
hassl-4380	319	5	management	management	NOUN
hassl-4380	319	6	in	in	ADP
hassl-4380	319	7	higher	high	ADJ
hassl-4380	319	8	education	education	NOUN
hassl-4380	319	9	.	.	PUNCT
hassl-4380	320	1	hoboken	hoboken	PROPN
hassl-4380	320	2	,	,	PUNCT
hassl-4380	320	3	nj	nj	PROPN
hassl-4380	320	4	:	:	PUNCT
hassl-4380	320	5	john	john	PROPN
hassl-4380	320	6	wiley	wiley	PROPN
hassl-4380	320	7	&	&	CCONJ
hassl-4380	320	8	sons	son	NOUN
hassl-4380	320	9	.	.	PUNCT
hassl-4380	321	1	basha	basha	PROPN
hassl-4380	321	2	,	,	PUNCT
hassl-4380	321	3	s.	s.	PROPN
hassl-4380	321	4	a.	a.	PROPN
hassl-4380	321	5	,	,	PUNCT
hassl-4380	321	6	bennasr	bennasr	PROPN
hassl-4380	321	7	,	,	PUNCT
hassl-4380	321	8	h.	h.	PROPN
hassl-4380	321	9	,	,	PUNCT
hassl-4380	321	10	&	&	CCONJ
hassl-4380	321	11	goaied	goaie	VERB
hassl-4380	321	12	,	,	PUNCT
hassl-4380	321	13	m.	m.	NOUN
hassl-4380	321	14	(	(	PUNCT
hassl-4380	321	15	2023	2023	NUM
hassl-4380	321	16	)	)	PUNCT
hassl-4380	321	17	.	.	PUNCT
hassl-4380	322	1	financial	financial	ADJ
hassl-4380	322	2	literacy	literacy	NOUN
hassl-4380	322	3	,	,	PUNCT
hassl-4380	322	4	financial	financial	ADJ
hassl-4380	322	5	development	development	NOUN
hassl-4380	322	6	,	,	PUNCT
hassl-4380	322	7	and	and	CCONJ
hassl-4380	322	8	leverage	leverage	NOUN
hassl-4380	322	9	of	of	ADP
hassl-4380	322	10	small	small	ADJ
hassl-4380	322	11	firms	firm	NOUN
hassl-4380	322	12	.	.	PUNCT
hassl-4380	323	1	international	international	ADJ
hassl-4380	323	2	review	review	NOUN
hassl-4380	323	3	of	of	ADP
hassl-4380	323	4	financial	financial	ADJ
hassl-4380	323	5	analysis	analysis	NOUN
hassl-4380	323	6	,	,	PUNCT
hassl-4380	323	7	86	86	NUM
hassl-4380	323	8	,	,	PUNCT
hassl-4380	323	9	102510	102510	NUM
hassl-4380	323	10	.	.	PUNCT
hassl-4380	324	1	https://doi.org/10.1016/j.irfa.2023.102510	https://doi.org/10.1016/j.irfa.2023.102510	PROPN
hassl-4380	324	2	beranová	beranová	PROPN
hassl-4380	324	3	,	,	PUNCT
hassl-4380	324	4	m.	m.	NOUN
hassl-4380	324	5	,	,	PUNCT
hassl-4380	324	6	šíma	šíma	PROPN
hassl-4380	324	7	,	,	PUNCT
hassl-4380	324	8	j.	j.	PROPN
hassl-4380	324	9	,	,	PUNCT
hassl-4380	324	10	&	&	CCONJ
hassl-4380	324	11	navrátilová	navrátilová	PROPN
hassl-4380	324	12	,	,	PUNCT
hassl-4380	324	13	m.	m.	NOUN
hassl-4380	324	14	(	(	PUNCT
hassl-4380	324	15	2020	2020	NUM
hassl-4380	324	16	)	)	PUNCT
hassl-4380	324	17	.	.	PUNCT
hassl-4380	325	1	financial	financial	ADJ
hassl-4380	325	2	literacy	literacy	NOUN
hassl-4380	325	3	as	as	ADP
hassl-4380	325	4	knowledge	knowledge	NOUN
hassl-4380	325	5	necessary	necessary	ADJ
hassl-4380	325	6	in	in	ADP
hassl-4380	325	7	today	today	NOUN
hassl-4380	325	8	’s	’s	PART
hassl-4380	325	9	globalized	globalize	VERB
hassl-4380	325	10	world	world	NOUN
hassl-4380	325	11	.	.	PUNCT
hassl-4380	326	1	shs	shs	NOUN
hassl-4380	326	2	web	web	NOUN
hassl-4380	326	3	of	of	ADP
hassl-4380	326	4	conferences	conference	NOUN
hassl-4380	326	5	,	,	PUNCT
hassl-4380	326	6	74	74	NUM
hassl-4380	326	7	,	,	PUNCT
hassl-4380	326	8	05007	05007	NUM
hassl-4380	326	9	.	.	PUNCT
hassl-4380	327	1	binh	binh	PROPN
hassl-4380	327	2	,	,	PUNCT
hassl-4380	327	3	n.	n.	PROPN
hassl-4380	327	4	t.	t.	PROPN
hassl-4380	327	5	(	(	PUNCT
hassl-4380	327	6	2011	2011	NUM
hassl-4380	327	7	)	)	PUNCT
hassl-4380	327	8	.	.	PUNCT
hassl-4380	328	1	the	the	DET
hassl-4380	328	2	expenditure	expenditure	NOUN
hassl-4380	328	3	of	of	ADP
hassl-4380	328	4	vietnamese	vietnamese	ADJ
hassl-4380	328	5	families	family	NOUN
hassl-4380	328	6	in	in	ADP
hassl-4380	328	7	recent	recent	ADJ
hassl-4380	328	8	years	year	NOUN
hassl-4380	328	9	.	.	PUNCT
hassl-4380	329	1	mediterranean	mediterranean	PROPN
hassl-4380	329	2	journal	journal	PROPN
hassl-4380	329	3	of	of	ADP
hassl-4380	329	4	social	social	ADJ
hassl-4380	329	5	sciences	science	NOUN
hassl-4380	329	6	,	,	PUNCT
hassl-4380	329	7	2(3	2(3	NUM
hassl-4380	329	8	)	)	PUNCT
hassl-4380	329	9	,	,	PUNCT
hassl-4380	329	10	363	363	NUM
hassl-4380	329	11	-	-	SYM
hassl-4380	329	12	371	371	NUM
hassl-4380	329	13	.	.	PUNCT
hassl-4380	330	1	braunstein	braunstein	ADV
hassl-4380	330	2	,	,	PUNCT
hassl-4380	330	3	s.	s.	PROPN
hassl-4380	330	4	,	,	PUNCT
hassl-4380	330	5	&	&	CCONJ
hassl-4380	330	6	welch	welch	PROPN
hassl-4380	330	7	,	,	PUNCT
hassl-4380	330	8	c.	c.	PROPN
hassl-4380	330	9	(	(	PUNCT
hassl-4380	330	10	2002	2002	NUM
hassl-4380	330	11	)	)	PUNCT
hassl-4380	330	12	.	.	PUNCT
hassl-4380	331	1	financial	financial	ADJ
hassl-4380	331	2	literacy	literacy	NOUN
hassl-4380	331	3	:	:	PUNCT
hassl-4380	331	4	an	an	DET
hassl-4380	331	5	overview	overview	NOUN
hassl-4380	331	6	of	of	ADP
hassl-4380	331	7	practice	practice	NOUN
hassl-4380	331	8	,	,	PUNCT
hassl-4380	331	9	research	research	NOUN
hassl-4380	331	10	,	,	PUNCT
hassl-4380	331	11	and	and	CCONJ
hassl-4380	331	12	policy	policy	NOUN
hassl-4380	331	13	.	.	PUNCT
hassl-4380	332	1	federal	federal	PROPN
hassl-4380	332	2	reserve	reserve	PROPN
hassl-4380	332	3	bulletin	bulletin	PROPN
hassl-4380	332	4	,	,	PUNCT
hassl-4380	332	5	88	88	NUM
hassl-4380	332	6	,	,	PUNCT
hassl-4380	332	7	445	445	NUM
hassl-4380	332	8	.	.	PUNCT
hassl-4380	333	1	cossa	cossa	PROPN
hassl-4380	333	2	,	,	PUNCT
hassl-4380	333	3	a.	a.	PROPN
hassl-4380	333	4	j.	j.	PROPN
hassl-4380	333	5	,	,	PUNCT
hassl-4380	333	6	madaleno	madaleno	PROPN
hassl-4380	333	7	,	,	PUNCT
hassl-4380	333	8	m.	m.	NOUN
hassl-4380	333	9	,	,	PUNCT
hassl-4380	333	10	&	&	CCONJ
hassl-4380	333	11	mota	mota	PROPN
hassl-4380	333	12	,	,	PUNCT
hassl-4380	333	13	j.	j.	PROPN
hassl-4380	333	14	(	(	PUNCT
hassl-4380	333	15	2018	2018	NUM
hassl-4380	333	16	)	)	PUNCT
hassl-4380	333	17	.	.	PUNCT
hassl-4380	334	1	financial	financial	ADJ
hassl-4380	334	2	literacy	literacy	NOUN
hassl-4380	334	3	importance	importance	NOUN
hassl-4380	334	4	for	for	ADP
hassl-4380	334	5	entrepreneurship	entrepreneurship	NOUN
hassl-4380	334	6	:	:	PUNCT
hassl-4380	334	7	a	a	DET
hassl-4380	334	8	literature	literature	NOUN
hassl-4380	334	9	survey	survey	NOUN
hassl-4380	334	10	.	.	PUNCT
hassl-4380	335	1	paper	paper	NOUN
hassl-4380	335	2	presented	present	VERB
hassl-4380	335	3	at	at	ADP
hassl-4380	335	4	the	the	DET
hassl-4380	335	5	european	european	PROPN
hassl-4380	335	6	conference	conference	PROPN
hassl-4380	335	7	on	on	ADP
hassl-4380	335	8	innovation	innovation	NOUN
hassl-4380	335	9	and	and	CCONJ
hassl-4380	335	10	entrepreneurship	entrepreneurship	NOUN
hassl-4380	335	11	.	.	PUNCT
hassl-4380	336	1	cronqvist	cronqvist	PROPN
hassl-4380	336	2	,	,	PUNCT
hassl-4380	336	3	h.	h.	PROPN
hassl-4380	336	4	,	,	PUNCT
hassl-4380	336	5	&	&	CCONJ
hassl-4380	336	6	siegel	siegel	PROPN
hassl-4380	336	7	,	,	PUNCT
hassl-4380	336	8	s.	s.	PROPN
hassl-4380	336	9	(	(	PUNCT
hassl-4380	336	10	2015	2015	NUM
hassl-4380	336	11	)	)	PUNCT
hassl-4380	336	12	.	.	PUNCT
hassl-4380	337	1	the	the	DET
hassl-4380	337	2	origins	origin	NOUN
hassl-4380	337	3	of	of	ADP
hassl-4380	337	4	savings	saving	NOUN
hassl-4380	337	5	behavior	behavior	NOUN
hassl-4380	337	6	.	.	PUNCT
hassl-4380	338	1	journal	journal	NOUN
hassl-4380	338	2	of	of	ADP
hassl-4380	338	3	political	political	ADJ
hassl-4380	338	4	economy	economy	NOUN
hassl-4380	338	5	,	,	PUNCT
hassl-4380	338	6	123(1	123(1	NUM
hassl-4380	338	7	)	)	PUNCT
hassl-4380	338	8	,	,	PUNCT
hassl-4380	338	9	123	123	NUM
hassl-4380	338	10	-	-	SYM
hassl-4380	338	11	169	169	NUM
hassl-4380	338	12	.	.	PUNCT
hassl-4380	339	1	https://doi.org/10.1086/679284	https://doi.org/10.1086/679284	PROPN
hassl-4380	339	2	danila	danila	PROPN
hassl-4380	339	3	,	,	PUNCT
hassl-4380	339	4	n.	n.	PROPN
hassl-4380	339	5	,	,	PUNCT
hassl-4380	339	6	shahwan	shahwan	PROPN
hassl-4380	339	7	,	,	PUNCT
hassl-4380	339	8	y.	y.	PROPN
hassl-4380	339	9	,	,	PUNCT
hassl-4380	339	10	ali	ali	PROPN
hassl-4380	339	11	,	,	PUNCT
hassl-4380	339	12	z.	z.	PROPN
hassl-4380	339	13	,	,	PUNCT
hassl-4380	339	14	&	&	CCONJ
hassl-4380	339	15	djalaluddin	djalaluddin	PROPN
hassl-4380	339	16	,	,	PUNCT
hassl-4380	339	17	a.	a.	NOUN
hassl-4380	339	18	(	(	PUNCT
hassl-4380	339	19	2019	2019	NUM
hassl-4380	339	20	)	)	PUNCT
hassl-4380	339	21	.	.	PUNCT
hassl-4380	340	1	the	the	DET
hassl-4380	340	2	linkages	linkage	NOUN
hassl-4380	340	3	between	between	ADP
hassl-4380	340	4	financial	financial	ADJ
hassl-4380	340	5	literacy	literacy	NOUN
hassl-4380	340	6	and	and	CCONJ
hassl-4380	340	7	its	its	PRON
hassl-4380	340	8	application	application	NOUN
hassl-4380	340	9	in	in	ADP
hassl-4380	340	10	financial	financial	ADJ
hassl-4380	340	11	decision	decision	NOUN
hassl-4380	340	12	-	-	PUNCT
hassl-4380	340	13	making	making	NOUN
hassl-4380	340	14	among	among	ADP
hassl-4380	340	15	academicians	academician	NOUN
hassl-4380	340	16	in	in	ADP
hassl-4380	340	17	indonesia	indonesia	PROPN
hassl-4380	340	18	.	.	PUNCT
hassl-4380	341	1	humanities	humanity	NOUN
hassl-4380	341	2	&	&	CCONJ
hassl-4380	341	3	social	social	ADJ
hassl-4380	341	4	sciences	sciences	PROPN
hassl-4380	341	5	reviews	review	NOUN
hassl-4380	341	6	,	,	PUNCT
hassl-4380	341	7	7(5	7(5	NUM
hassl-4380	341	8	)	)	PUNCT
hassl-4380	341	9	,	,	PUNCT
hassl-4380	341	10	1280–1292	1280–1292	NUM
hassl-4380	341	11	.	.	PUNCT
hassl-4380	342	1	dolan	dolan	PROPN
hassl-4380	342	2	,	,	PUNCT
hassl-4380	342	3	p.	p.	PROPN
hassl-4380	342	4	,	,	PUNCT
hassl-4380	342	5	elliott	elliott	PROPN
hassl-4380	342	6	,	,	PUNCT
hassl-4380	342	7	a.	a.	PROPN
hassl-4380	342	8	,	,	PUNCT
hassl-4380	342	9	metcalfe	metcalfe	PROPN
hassl-4380	342	10	,	,	PUNCT
hassl-4380	342	11	r.	r.	PROPN
hassl-4380	342	12	,	,	PUNCT
hassl-4380	342	13	&	&	CCONJ
hassl-4380	342	14	vlaev	vlaev	PROPN
hassl-4380	342	15	,	,	PUNCT
hassl-4380	342	16	i.	i.	PROPN
hassl-4380	342	17	(	(	PUNCT
hassl-4380	342	18	2012	2012	NUM
hassl-4380	342	19	)	)	PUNCT
hassl-4380	342	20	.	.	PUNCT
hassl-4380	343	1	influencing	influence	VERB
hassl-4380	343	2	financial	financial	ADJ
hassl-4380	343	3	behavior	behavior	NOUN
hassl-4380	343	4	:	:	PUNCT
hassl-4380	343	5	from	from	ADP
hassl-4380	343	6	changing	change	VERB
hassl-4380	343	7	minds	mind	NOUN
hassl-4380	343	8	to	to	ADP
hassl-4380	343	9	changing	change	VERB
hassl-4380	343	10	contexts	context	NOUN
hassl-4380	343	11	.	.	PUNCT
hassl-4380	344	1	journal	journal	NOUN
hassl-4380	344	2	of	of	ADP
hassl-4380	344	3	behavioral	behavioral	ADJ
hassl-4380	344	4	finance	finance	NOUN
hassl-4380	344	5	,	,	PUNCT
hassl-4380	344	6	13(2	13(2	PROPN
hassl-4380	344	7	)	)	PUNCT
hassl-4380	344	8	,	,	PUNCT
hassl-4380	344	9	126	126	NUM
hassl-4380	344	10	-	-	SYM
hassl-4380	344	11	142	142	NUM
hassl-4380	344	12	.	.	PUNCT
hassl-4380	345	1	https://doi.org/10.1080/15427560.2012.680995	https://doi.org/10.1080/15427560.2012.680995	PROPN
hassl-4380	345	2	dupas	dupas	PROPN
hassl-4380	345	3	,	,	PUNCT
hassl-4380	345	4	p.	p.	PROPN
hassl-4380	345	5	,	,	PUNCT
hassl-4380	345	6	&	&	CCONJ
hassl-4380	345	7	robinson	robinson	PROPN
hassl-4380	345	8	,	,	PUNCT
hassl-4380	345	9	j.	j.	PROPN
hassl-4380	345	10	(	(	PUNCT
hassl-4380	345	11	2013	2013	NUM
hassl-4380	345	12	)	)	PUNCT
hassl-4380	345	13	.	.	PUNCT
hassl-4380	346	1	savings	saving	NOUN
hassl-4380	346	2	constraints	constraint	NOUN
hassl-4380	346	3	and	and	CCONJ
hassl-4380	346	4	microenterprise	microenterprise	NOUN
hassl-4380	346	5	development	development	NOUN
hassl-4380	346	6	:	:	PUNCT
hassl-4380	346	7	evidence	evidence	NOUN
hassl-4380	346	8	from	from	ADP
hassl-4380	346	9	a	a	DET
hassl-4380	346	10	field	field	NOUN
hassl-4380	346	11	experiment	experiment	NOUN
hassl-4380	346	12	in	in	ADP
hassl-4380	346	13	kenya	kenya	PROPN
hassl-4380	346	14	.	.	PUNCT
hassl-4380	347	1	american	american	PROPN
hassl-4380	347	2	economic	economic	PROPN
hassl-4380	347	3	journal	journal	PROPN
hassl-4380	347	4	:	:	PUNCT
hassl-4380	347	5	applied	apply	VERB
hassl-4380	347	6	economics	economic	NOUN
hassl-4380	347	7	,	,	PUNCT
hassl-4380	347	8	5(1	5(1	NUM
hassl-4380	347	9	)	)	PUNCT
hassl-4380	347	10	,	,	PUNCT
hassl-4380	347	11	163	163	NUM
hassl-4380	347	12	-	-	SYM
hassl-4380	347	13	192	192	NUM
hassl-4380	347	14	.	.	PUNCT
hassl-4380	348	1	endah	endah	PROPN
hassl-4380	348	2	,	,	PUNCT
hassl-4380	348	3	n.	n.	NOUN
hassl-4380	348	4	,	,	PUNCT
hassl-4380	348	5	daryanti	daryanti	PROPN
hassl-4380	348	6	,	,	PUNCT
hassl-4380	348	7	s.	s.	PROPN
hassl-4380	348	8	,	,	PUNCT
hassl-4380	348	9	&	&	CCONJ
hassl-4380	348	10	hati	hati	PROPN
hassl-4380	348	11	,	,	PUNCT
hassl-4380	348	12	s.	s.	PROPN
hassl-4380	348	13	r.	r.	PROPN
hassl-4380	348	14	h.	h.	PROPN
hassl-4380	348	15	(	(	PUNCT
hassl-4380	348	16	2017	2017	NUM
hassl-4380	348	17	)	)	PUNCT
hassl-4380	348	18	.	.	PUNCT
hassl-4380	349	1	young	young	ADJ
hassl-4380	349	2	adult	adult	NOUN
hassl-4380	349	3	muslim	muslim	ADJ
hassl-4380	349	4	consumer	consumer	NOUN
hassl-4380	349	5	intention	intention	NOUN
hassl-4380	349	6	to	to	PART
hassl-4380	349	7	purchase	purchase	VERB
hassl-4380	349	8	halal	halal	NOUN
hassl-4380	349	9	cosmetics	cosmetic	NOUN
hassl-4380	349	10	:	:	PUNCT
hassl-4380	349	11	application	application	NOUN
hassl-4380	349	12	of	of	ADP
hassl-4380	349	13	the	the	DET
hassl-4380	349	14	theory	theory	NOUN
hassl-4380	349	15	of	of	ADP
hassl-4380	349	16	planned	plan	VERB
hassl-4380	349	17	behavior	behavior	NOUN
hassl-4380	349	18	.	.	PUNCT
hassl-4380	350	1	paper	paper	NOUN
hassl-4380	350	2	presented	present	VERB
hassl-4380	350	3	at	at	ADP
hassl-4380	350	4	the	the	DET
hassl-4380	350	5	3rd	3rd	ADJ
hassl-4380	350	6	annual	annual	ADJ
hassl-4380	350	7	international	international	ADJ
hassl-4380	350	8	conference	conference	NOUN
hassl-4380	350	9	on	on	ADP
hassl-4380	350	10	management	management	NOUN
hassl-4380	350	11	,	,	PUNCT
hassl-4380	350	12	economics	economic	NOUN
hassl-4380	350	13	and	and	CCONJ
hassl-4380	350	14	social	social	ADJ
hassl-4380	350	15	development	development	NOUN
hassl-4380	350	16	(	(	PUNCT
hassl-4380	350	17	icmesd	icmesd	VERB
hassl-4380	350	18	17	17	NUM
hassl-4380	350	19	)	)	PUNCT
hassl-4380	350	20	.	.	PUNCT
hassl-4380	351	1	falahati	falahati	PROPN
hassl-4380	351	2	,	,	PUNCT
hassl-4380	351	3	l.	l.	PROPN
hassl-4380	351	4	,	,	PUNCT
hassl-4380	351	5	&	&	CCONJ
hassl-4380	351	6	paim	paim	PROPN
hassl-4380	351	7	,	,	PUNCT
hassl-4380	351	8	l.	l.	PROPN
hassl-4380	351	9	h.	h.	PROPN
hassl-4380	351	10	(	(	PUNCT
hassl-4380	351	11	2012	2012	NUM
hassl-4380	351	12	)	)	PUNCT
hassl-4380	351	13	.	.	PUNCT
hassl-4380	352	1	experiencing	experience	VERB
hassl-4380	352	2	financial	financial	ADJ
hassl-4380	352	3	problems	problem	NOUN
hassl-4380	352	4	among	among	ADP
hassl-4380	352	5	university	university	NOUN
hassl-4380	352	6	students	student	NOUN
hassl-4380	352	7	:	:	PUNCT
hassl-4380	352	8	an	an	DET
hassl-4380	352	9	empirical	empirical	ADJ
hassl-4380	352	10	study	study	NOUN
hassl-4380	352	11	on	on	ADP
hassl-4380	352	12	the	the	DET
hassl-4380	352	13	moderating	moderate	VERB
hassl-4380	352	14	effect	effect	NOUN
hassl-4380	352	15	of	of	ADP
hassl-4380	352	16	gender	gender	NOUN
hassl-4380	352	17	.	.	PUNCT
hassl-4380	353	1	gender	gender	NOUN
hassl-4380	353	2	in	in	ADP
hassl-4380	353	3	management	management	NOUN
hassl-4380	353	4	:	:	PUNCT
hassl-4380	353	5	an	an	DET
hassl-4380	353	6	international	international	ADJ
hassl-4380	353	7	journal	journal	NOUN
hassl-4380	353	8	,	,	PUNCT
hassl-4380	353	9	27(5	27(5	PROPN
hassl-4380	353	10	)	)	PUNCT
hassl-4380	353	11	,	,	PUNCT
hassl-4380	353	12	315	315	NUM
hassl-4380	353	13	-	-	SYM
hassl-4380	353	14	330	330	NUM
hassl-4380	353	15	.	.	PUNCT
hassl-4380	354	1	https://doi.org/10.1108/17542411211252633	https://doi.org/10.1108/17542411211252633	PRON
hassl-4380	354	2	fariana	fariana	PROPN
hassl-4380	354	3	,	,	PUNCT
hassl-4380	354	4	r.	r.	PROPN
hassl-4380	354	5	e.	e.	PROPN
hassl-4380	354	6	,	,	PUNCT
hassl-4380	354	7	surindra	surindra	PROPN
hassl-4380	354	8	,	,	PUNCT
hassl-4380	354	9	b.	b.	PROPN
hassl-4380	354	10	,	,	PUNCT
hassl-4380	354	11	&	&	CCONJ
hassl-4380	354	12	arifin	arifin	PROPN
hassl-4380	354	13	,	,	PUNCT
hassl-4380	354	14	z.	z.	PROPN
hassl-4380	354	15	(	(	PUNCT
hassl-4380	354	16	2021	2021	NUM
hassl-4380	354	17	)	)	PUNCT
hassl-4380	354	18	.	.	PUNCT
hassl-4380	355	1	the	the	DET
hassl-4380	355	2	influence	influence	NOUN
hassl-4380	355	3	of	of	ADP
hassl-4380	355	4	financial	financial	ADJ
hassl-4380	355	5	literacy	literacy	NOUN
hassl-4380	355	6	,	,	PUNCT
hassl-4380	355	7	lifestyle	lifestyle	NOUN
hassl-4380	355	8	and	and	CCONJ
hassl-4380	355	9	self	self	NOUN
hassl-4380	355	10	-	-	PUNCT
hassl-4380	355	11	control	control	NOUN
hassl-4380	355	12	on	on	ADP
hassl-4380	355	13	the	the	DET
hassl-4380	355	14	consumption	consumption	NOUN
hassl-4380	355	15	behavior	behavior	NOUN
hassl-4380	355	16	of	of	ADP
hassl-4380	355	17	economic	economic	ADJ
hassl-4380	355	18	education	education	NOUN
hassl-4380	355	19	student	student	NOUN
hassl-4380	355	20	.	.	PUNCT
hassl-4380	356	1	international	international	ADJ
hassl-4380	356	2	journal	journal	PROPN
hassl-4380	356	3	of	of	ADP
hassl-4380	356	4	research	research	NOUN
hassl-4380	356	5	and	and	CCONJ
hassl-4380	356	6	review	review	NOUN
hassl-4380	356	7	,	,	PUNCT
hassl-4380	356	8	8(8	8(8	NUM
hassl-4380	356	9	)	)	PUNCT
hassl-4380	356	10	,	,	PUNCT
hassl-4380	356	11	496	496	NUM
hassl-4380	356	12	-	-	SYM
hassl-4380	356	13	503	503	NUM
hassl-4380	356	14	.	.	PUNCT
hassl-4380	357	1	gaille	gaille	NOUN
hassl-4380	357	2	,	,	PUNCT
hassl-4380	357	3	l.	l.	PROPN
hassl-4380	357	4	(	(	PUNCT
hassl-4380	357	5	2025	2025	NUM
hassl-4380	357	6	)	)	PUNCT
hassl-4380	357	7	.	.	PUNCT
hassl-4380	358	1	15	15	NUM
hassl-4380	358	2	advantages	advantage	NOUN
hassl-4380	358	3	&	&	CCONJ
hassl-4380	358	4	disadvantages	disadvantage	NOUN
hassl-4380	358	5	of	of	ADP
hassl-4380	358	6	convenience	convenience	NOUN
hassl-4380	358	7	sampling	sampling	NOUN
hassl-4380	358	8	.	.	PUNCT
hassl-4380	359	1	in	in	ADP
hassl-4380	359	2	vittana	vittana	PROPN
hassl-4380	359	3	.	.	PUNCT
hassl-4380	360	1	retrieved	retrieve	VERB
hassl-4380	360	2	from	from	ADP
hassl-4380	360	3	https://vittana.org/15advantages-and-disadvantages-of-convenience-sampling	https://vittana.org/15advantages-and-disadvantages-of-convenience-sample	VERB
hassl-4380	360	4	goyal	goyal	NOUN
hassl-4380	360	5	,	,	PUNCT
hassl-4380	360	6	k.	k.	PROPN
hassl-4380	360	7	,	,	PUNCT
hassl-4380	360	8	kumar	kumar	PROPN
hassl-4380	360	9	,	,	PUNCT
hassl-4380	360	10	s.	s.	PROPN
hassl-4380	360	11	,	,	PUNCT
hassl-4380	360	12	&	&	CCONJ
hassl-4380	360	13	xiao	xiao	PROPN
hassl-4380	360	14	,	,	PUNCT
hassl-4380	360	15	j.	j.	PROPN
hassl-4380	360	16	j.	j.	PROPN
hassl-4380	360	17	(	(	PUNCT
hassl-4380	360	18	2021	2021	NUM
hassl-4380	360	19	)	)	PUNCT
hassl-4380	360	20	.	.	PUNCT
hassl-4380	361	1	antecedents	antecedent	NOUN
hassl-4380	361	2	and	and	CCONJ
hassl-4380	361	3	consequences	consequence	NOUN
hassl-4380	361	4	of	of	ADP
hassl-4380	361	5	personal	personal	ADJ
hassl-4380	361	6	financial	financial	ADJ
hassl-4380	361	7	management	management	NOUN
hassl-4380	361	8	behavior	behavior	NOUN
hassl-4380	361	9	:	:	PUNCT
hassl-4380	361	10	a	a	DET
hassl-4380	361	11	systematic	systematic	ADJ
hassl-4380	361	12	literature	literature	NOUN
hassl-4380	361	13	review	review	NOUN
hassl-4380	361	14	and	and	CCONJ
hassl-4380	361	15	future	future	ADJ
hassl-4380	361	16	research	research	NOUN
hassl-4380	361	17	agenda	agenda	NOUN
hassl-4380	361	18	.	.	PUNCT
hassl-4380	362	1	international	international	ADJ
hassl-4380	362	2	journal	journal	PROPN
hassl-4380	362	3	of	of	ADP
hassl-4380	362	4	bank	bank	PROPN
hassl-4380	362	5	marketing	marketing	NOUN
hassl-4380	362	6	,	,	PUNCT
hassl-4380	362	7	39(7	39(7	NUM
hassl-4380	362	8	)	)	PUNCT
hassl-4380	362	9	,	,	PUNCT
hassl-4380	362	10	1166	1166	NUM
hassl-4380	362	11	-	-	SYM
hassl-4380	362	12	1207	1207	NUM
hassl-4380	362	13	.	.	PUNCT
hassl-4380	363	1	https://doi.org/10.1108/ijbm-12-2020-0612	https://doi.org/10.1108/ijbm-12-2020-0612	PROPN
hassl-4380	363	2	hafid	hafid	ADJ
hassl-4380	363	3	,	,	PUNCT
hassl-4380	363	4	r.	r.	PROPN
hassl-4380	363	5	,	,	PUNCT
hassl-4380	363	6	mahmud	mahmud	PROPN
hassl-4380	363	7	,	,	PUNCT
hassl-4380	363	8	m.	m.	NOUN
hassl-4380	363	9	,	,	PUNCT
hassl-4380	363	10	sofianti	sofianti	NOUN
hassl-4380	363	11	,	,	PUNCT
hassl-4380	363	12	v.	v.	PROPN
hassl-4380	363	13	,	,	PUNCT
hassl-4380	363	14	&	&	CCONJ
hassl-4380	363	15	kaharu	kaharu	PROPN
hassl-4380	363	16	,	,	PUNCT
hassl-4380	363	17	d.	d.	PROPN
hassl-4380	363	18	p.	p.	PROPN
hassl-4380	363	19	(	(	PUNCT
hassl-4380	363	20	2021	2021	NUM
hassl-4380	363	21	)	)	PUNCT
hassl-4380	363	22	.	.	PUNCT
hassl-4380	364	1	the	the	DET
hassl-4380	364	2	impact	impact	NOUN
hassl-4380	364	3	of	of	ADP
hassl-4380	364	4	economic	economic	ADJ
hassl-4380	364	5	education	education	NOUN
hassl-4380	364	6	in	in	ADP
hassl-4380	364	7	the	the	DET
hassl-4380	364	8	family	family	NOUN
hassl-4380	364	9	on	on	ADP
hassl-4380	364	10	the	the	DET
hassl-4380	364	11	consumption	consumption	NOUN
hassl-4380	364	12	behavior	behavior	NOUN
hassl-4380	364	13	of	of	ADP
hassl-4380	364	14	the	the	DET
hassl-4380	364	15	fishing	fishing	NOUN
hassl-4380	364	16	community	community	NOUN
hassl-4380	364	17	mediated	mediate	VERB
hassl-4380	364	18	by	by	ADP
hassl-4380	364	19	financial	financial	ADJ
hassl-4380	364	20	literacy	literacy	NOUN
hassl-4380	364	21	in	in	ADP
hassl-4380	364	22	the	the	DET
hassl-4380	364	23	fishing	fishing	NOUN
hassl-4380	364	24	community	community	NOUN
hassl-4380	364	25	in	in	ADP
hassl-4380	364	26	kabila	kabila	PROPN
hassl-4380	364	27	bone	bone	NOUN
hassl-4380	364	28	sub	sub	NOUN
hassl-4380	364	29	-	-	NOUN
hassl-4380	364	30	district	district	NOUN
hassl-4380	364	31	.	.	PUNCT
hassl-4380	365	1	international	international	ADJ
hassl-4380	365	2	journal	journal	NOUN
hassl-4380	365	3	of	of	ADP
hassl-4380	365	4	innovative	innovative	ADJ
hassl-4380	365	5	science	science	NOUN
hassl-4380	365	6	and	and	CCONJ
hassl-4380	365	7	research	research	NOUN
hassl-4380	365	8	technology	technology	NOUN
hassl-4380	365	9	,	,	PUNCT
hassl-4380	365	10	6(10	6(10	NUM
hassl-4380	365	11	)	)	PUNCT
hassl-4380	365	12	,	,	PUNCT
hassl-4380	365	13	21	21	NUM
hassl-4380	365	14	-	-	SYM
hassl-4380	365	15	27	27	NUM
hassl-4380	365	16	.	.	PUNCT
hassl-4380	366	1	hamza	hamza	PROPN
hassl-4380	366	2	,	,	PUNCT
hassl-4380	366	3	n.	n.	NOUN
hassl-4380	366	4	,	,	PUNCT
hassl-4380	366	5	&	&	CCONJ
hassl-4380	366	6	arif	arif	PROPN
hassl-4380	366	7	,	,	PUNCT
hassl-4380	366	8	i.	i.	PROPN
hassl-4380	366	9	(	(	PUNCT
hassl-4380	366	10	2019	2019	NUM
hassl-4380	366	11	)	)	PUNCT
hassl-4380	366	12	.	.	PUNCT
hassl-4380	367	1	impact	impact	NOUN
hassl-4380	367	2	of	of	ADP
hassl-4380	367	3	financial	financial	ADJ
hassl-4380	367	4	literacy	literacy	NOUN
hassl-4380	367	5	on	on	ADP
hassl-4380	367	6	investment	investment	NOUN
hassl-4380	367	7	decisions	decision	NOUN
hassl-4380	367	8	:	:	PUNCT
hassl-4380	367	9	the	the	DET
hassl-4380	367	10	mediating	mediate	VERB
hassl-4380	367	11	effect	effect	NOUN
hassl-4380	367	12	of	of	ADP
hassl-4380	367	13	big	big	ADJ
hassl-4380	367	14	-	-	PUNCT
hassl-4380	367	15	five	five	NUM
hassl-4380	367	16	personality	personality	NOUN
hassl-4380	367	17	traits	trait	NOUN
hassl-4380	367	18	model	model	NOUN
hassl-4380	367	19	.	.	PUNCT
hassl-4380	368	1	market	market	NOUN
hassl-4380	368	2	forces	force	NOUN
hassl-4380	368	3	,	,	PUNCT
hassl-4380	368	4	14(1	14(1	NUM
hassl-4380	368	5	)	)	PUNCT
hassl-4380	368	6	,	,	PUNCT
hassl-4380	368	7	43–60	43–60	NOUN
hassl-4380	368	8	.	.	PUNCT
hassl-4380	369	1	https://doi.org/10.1016/j.irfa.2023.102510	https://doi.org/10.1016/j.irfa.2023.102510	PROPN
hassl-4380	369	2	https://doi.org/10.1086/679284	https://doi.org/10.1086/679284	VERB
hassl-4380	369	3	https://doi.org/10.1080/15427560.2012.680995	https://doi.org/10.1080/15427560.2012.680995	PRON
hassl-4380	369	4	https://doi.org/10.1108/17542411211252633	https://doi.org/10.1108/17542411211252633	X
hassl-4380	369	5	https://vittana.org/15-advantages-and-disadvantages-of-convenience-sampling	https://vittana.org/15-advantages-and-disadvantages-of-convenience-sample	VERB
hassl-4380	369	6	https://vittana.org/15-advantages-and-disadvantages-of-convenience-sampling	https://vittana.org/15-advantages-and-disadvantages-of-convenience-sample	VERB
hassl-4380	369	7	https://doi.org/10.1108/ijbm-12-2020-0612	https://doi.org/10.1108/ijbm-12-2020-0612	PROPN
hassl-4380	369	8	humanities	humanity	NOUN
hassl-4380	369	9	and	and	CCONJ
hassl-4380	369	10	social	social	ADJ
hassl-4380	369	11	sciences	science	NOUN
hassl-4380	369	12	letters	letter	NOUN
hassl-4380	369	13	,	,	PUNCT
hassl-4380	369	14	2025	2025	NUM
hassl-4380	369	15	,	,	PUNCT
hassl-4380	369	16	13(3	13(3	NUM
hassl-4380	369	17	):	):	PUNCT
hassl-4380	369	18	1037	1037	NUM
hassl-4380	369	19	-	-	SYM
hassl-4380	369	20	1052	1052	NUM
hassl-4380	369	21	1050	1050	NUM
hassl-4380	369	22	©	©	PROPN
hassl-4380	369	23	2025	2025	NUM
hassl-4380	369	24	conscientia	conscientia	PROPN
hassl-4380	369	25	beam	beam	PROPN
hassl-4380	369	26	.	.	PUNCT
hassl-4380	370	1	all	all	DET
hassl-4380	370	2	rights	right	NOUN
hassl-4380	370	3	reserved	reserve	VERB
hassl-4380	370	4	.	.	PUNCT
hassl-4380	371	1	hc	hc	PROPN
hassl-4380	371	2	,	,	PUNCT
hassl-4380	371	3	r.	r.	PROPN
hassl-4380	371	4	,	,	PUNCT
hassl-4380	371	5	&	&	CCONJ
hassl-4380	371	6	gusaptono	gusaptono	PROPN
hassl-4380	371	7	,	,	PUNCT
hassl-4380	371	8	r.	r.	PROPN
hassl-4380	371	9	h.	h.	PROPN
hassl-4380	371	10	(	(	PUNCT
hassl-4380	371	11	2020	2020	NUM
hassl-4380	371	12	)	)	PUNCT
hassl-4380	371	13	.	.	PUNCT
hassl-4380	372	1	the	the	DET
hassl-4380	372	2	impact	impact	NOUN
hassl-4380	372	3	of	of	ADP
hassl-4380	372	4	financial	financial	ADJ
hassl-4380	372	5	literacy	literacy	NOUN
hassl-4380	372	6	on	on	ADP
hassl-4380	372	7	investment	investment	NOUN
hassl-4380	372	8	decisions	decision	NOUN
hassl-4380	372	9	between	between	ADP
hassl-4380	372	10	saving	saving	NOUN
hassl-4380	372	11	and	and	CCONJ
hassl-4380	372	12	credit	credit	NOUN
hassl-4380	372	13	:	:	PUNCT
hassl-4380	372	14	studies	study	NOUN
hassl-4380	372	15	on	on	ADP
hassl-4380	372	16	sharia	sharia	PROPN
hassl-4380	372	17	bank	bank	PROPN
hassl-4380	372	18	customers	customer	NOUN
hassl-4380	372	19	in	in	ADP
hassl-4380	372	20	the	the	DET
hassl-4380	372	21	special	special	ADJ
hassl-4380	372	22	region	region	NOUN
hassl-4380	372	23	of	of	ADP
hassl-4380	372	24	yogyakarta	yogyakarta	PROPN
hassl-4380	372	25	.	.	PUNCT
hassl-4380	373	1	journal	journal	PROPN
hassl-4380	373	2	of	of	ADP
hassl-4380	373	3	economics	economic	NOUN
hassl-4380	373	4	and	and	CCONJ
hassl-4380	373	5	business	business	NOUN
hassl-4380	373	6	,	,	PUNCT
hassl-4380	373	7	3(4	3(4	NUM
hassl-4380	373	8	)	)	PUNCT
hassl-4380	373	9	,	,	PUNCT
hassl-4380	373	10	1456–1463	1456–1463	NUM
hassl-4380	373	11	.	.	PUNCT
hassl-4380	374	1	ibrahim	ibrahim	PROPN
hassl-4380	374	2	,	,	PUNCT
hassl-4380	374	3	m.	m.	PROPN
hassl-4380	374	4	e.	e.	PROPN
hassl-4380	374	5	,	,	PUNCT
hassl-4380	374	6	&	&	CCONJ
hassl-4380	374	7	alqaydi	alqaydi	VERB
hassl-4380	374	8	,	,	PUNCT
hassl-4380	374	9	f.	f.	PROPN
hassl-4380	374	10	r.	r.	PROPN
hassl-4380	374	11	(	(	PUNCT
hassl-4380	374	12	2013	2013	NUM
hassl-4380	374	13	)	)	PUNCT
hassl-4380	374	14	.	.	PUNCT
hassl-4380	375	1	financial	financial	ADJ
hassl-4380	375	2	literacy	literacy	NOUN
hassl-4380	375	3	,	,	PUNCT
hassl-4380	375	4	personal	personal	ADJ
hassl-4380	375	5	financial	financial	ADJ
hassl-4380	375	6	attitude	attitude	NOUN
hassl-4380	375	7	,	,	PUNCT
hassl-4380	375	8	and	and	CCONJ
hassl-4380	375	9	forms	form	NOUN
hassl-4380	375	10	of	of	ADP
hassl-4380	375	11	personal	personal	ADJ
hassl-4380	375	12	debt	debt	NOUN
hassl-4380	375	13	among	among	ADP
hassl-4380	375	14	residents	resident	NOUN
hassl-4380	375	15	of	of	ADP
hassl-4380	375	16	the	the	DET
hassl-4380	375	17	uae	uae	PROPN
hassl-4380	375	18	.	.	PUNCT
hassl-4380	375	19	international	international	PROPN
hassl-4380	375	20	journal	journal	PROPN
hassl-4380	375	21	of	of	ADP
hassl-4380	375	22	economics	economic	NOUN
hassl-4380	375	23	and	and	CCONJ
hassl-4380	375	24	finance	finance	NOUN
hassl-4380	375	25	,	,	PUNCT
hassl-4380	375	26	5(7	5(7	NUM
hassl-4380	375	27	)	)	PUNCT
hassl-4380	375	28	,	,	PUNCT
hassl-4380	375	29	126	126	NUM
hassl-4380	375	30	-	-	SYM
hassl-4380	375	31	138	138	NUM
hassl-4380	375	32	.	.	PUNCT
hassl-4380	376	1	jappelli	jappelli	PROPN
hassl-4380	376	2	,	,	PUNCT
hassl-4380	376	3	t.	t.	PROPN
hassl-4380	376	4	,	,	PUNCT
hassl-4380	376	5	&	&	CCONJ
hassl-4380	376	6	padula	padula	NOUN
hassl-4380	376	7	,	,	PUNCT
hassl-4380	376	8	m.	m.	NOUN
hassl-4380	376	9	(	(	PUNCT
hassl-4380	376	10	2013	2013	NUM
hassl-4380	376	11	)	)	PUNCT
hassl-4380	376	12	.	.	PUNCT
hassl-4380	377	1	consumption	consumption	NOUN
hassl-4380	377	2	growth	growth	NOUN
hassl-4380	377	3	,	,	PUNCT
hassl-4380	377	4	the	the	DET
hassl-4380	377	5	interest	interest	NOUN
hassl-4380	377	6	rate	rate	NOUN
hassl-4380	377	7	,	,	PUNCT
hassl-4380	377	8	and	and	CCONJ
hassl-4380	377	9	financial	financial	ADJ
hassl-4380	377	10	literacy	literacy	NOUN
hassl-4380	377	11	:	:	PUNCT
hassl-4380	377	12	centre	centre	NOUN
hassl-4380	377	13	for	for	ADP
hassl-4380	377	14	economic	economic	ADJ
hassl-4380	377	15	policy	policy	NOUN
hassl-4380	377	16	research	research	NOUN
hassl-4380	377	17	.	.	PUNCT
hassl-4380	378	1	khalisharani	khalisharani	PROPN
hassl-4380	378	2	,	,	PUNCT
hassl-4380	378	3	h.	h.	PROPN
hassl-4380	378	4	,	,	PUNCT
hassl-4380	378	5	sabri	sabri	PROPN
hassl-4380	378	6	,	,	PUNCT
hassl-4380	378	7	m.	m.	PROPN
hassl-4380	378	8	f.	f.	PROPN
hassl-4380	378	9	,	,	PUNCT
hassl-4380	378	10	johan	johan	PROPN
hassl-4380	378	11	,	,	PUNCT
hassl-4380	378	12	i.	i.	PROPN
hassl-4380	378	13	r.	r.	PROPN
hassl-4380	378	14	,	,	PUNCT
hassl-4380	378	15	burhan	burhan	PROPN
hassl-4380	378	16	,	,	PUNCT
hassl-4380	378	17	n.	n.	PROPN
hassl-4380	378	18	,	,	PUNCT
hassl-4380	378	19	an	an	PRON
hassl-4380	378	20	,	,	PUNCT
hassl-4380	378	21	s.	s.	PROPN
hassl-4380	378	22	,	,	PUNCT
hassl-4380	378	23	&	&	CCONJ
hassl-4380	378	24	yusof	yusof	PROPN
hassl-4380	378	25	,	,	PUNCT
hassl-4380	378	26	a.	a.	NOUN
hassl-4380	378	27	n.	n.	PROPN
hassl-4380	378	28	m.	m.	NOUN
hassl-4380	378	29	(	(	PUNCT
hassl-4380	378	30	2022	2022	NUM
hassl-4380	378	31	)	)	PUNCT
hassl-4380	378	32	.	.	PUNCT
hassl-4380	379	1	the	the	DET
hassl-4380	379	2	influence	influence	NOUN
hassl-4380	379	3	of	of	ADP
hassl-4380	379	4	parental	parental	ADJ
hassl-4380	379	5	financial	financial	ADJ
hassl-4380	379	6	socialisation	socialisation	NOUN
hassl-4380	379	7	and	and	CCONJ
hassl-4380	379	8	financial	financial	ADJ
hassl-4380	379	9	literacy	literacy	NOUN
hassl-4380	379	10	on	on	ADP
hassl-4380	379	11	university	university	NOUN
hassl-4380	379	12	students	student	NOUN
hassl-4380	379	13	’	'	PUNCT
hassl-4380	379	14	financial	financial	ADJ
hassl-4380	379	15	behaviour	behaviour	NOUN
hassl-4380	379	16	.	.	PUNCT
hassl-4380	380	1	international	international	ADJ
hassl-4380	380	2	journal	journal	PROPN
hassl-4380	380	3	of	of	ADP
hassl-4380	380	4	economics	economics	PROPN
hassl-4380	380	5	&	&	CCONJ
hassl-4380	380	6	management	management	PROPN
hassl-4380	380	7	,	,	PUNCT
hassl-4380	380	8	16(3	16(3	NOUN
hassl-4380	380	9	)	)	PUNCT
hassl-4380	380	10	,	,	PUNCT
hassl-4380	380	11	351–364	351–364	NUM
hassl-4380	380	12	.	.	PUNCT
hassl-4380	381	1	kumari	kumari	PROPN
hassl-4380	381	2	,	,	PUNCT
hassl-4380	381	3	d.	d.	PROPN
hassl-4380	381	4	(	(	PUNCT
hassl-4380	381	5	2020	2020	NUM
hassl-4380	381	6	)	)	PUNCT
hassl-4380	381	7	.	.	PUNCT
hassl-4380	382	1	the	the	DET
hassl-4380	382	2	impact	impact	NOUN
hassl-4380	382	3	of	of	ADP
hassl-4380	382	4	financial	financial	ADJ
hassl-4380	382	5	literacy	literacy	NOUN
hassl-4380	382	6	on	on	ADP
hassl-4380	382	7	investment	investment	NOUN
hassl-4380	382	8	decisions	decision	NOUN
hassl-4380	382	9	:	:	PUNCT
hassl-4380	382	10	with	with	ADP
hassl-4380	382	11	special	special	ADJ
hassl-4380	382	12	reference	reference	NOUN
hassl-4380	382	13	to	to	ADP
hassl-4380	382	14	undergraduates	undergraduate	NOUN
hassl-4380	382	15	in	in	ADP
hassl-4380	382	16	western	western	ADJ
hassl-4380	382	17	province	province	NOUN
hassl-4380	382	18	,	,	PUNCT
hassl-4380	382	19	sri	sri	PROPN
hassl-4380	382	20	lanka	lanka	PROPN
hassl-4380	382	21	.	.	PUNCT
hassl-4380	383	1	asian	asian	PROPN
hassl-4380	383	2	journal	journal	PROPN
hassl-4380	383	3	of	of	ADP
hassl-4380	383	4	contemporary	contemporary	ADJ
hassl-4380	383	5	education	education	NOUN
hassl-4380	383	6	,	,	PUNCT
hassl-4380	383	7	4(2	4(2	NUM
hassl-4380	383	8	)	)	PUNCT
hassl-4380	383	9	,	,	PUNCT
hassl-4380	383	10	110	110	NUM
hassl-4380	383	11	-	-	SYM
hassl-4380	383	12	126	126	NUM
hassl-4380	383	13	.	.	PUNCT
hassl-4380	384	1	le	le	X
hassl-4380	384	2	,	,	PUNCT
hassl-4380	384	3	t.	t.	PROPN
hassl-4380	384	4	d.	d.	PROPN
hassl-4380	384	5	h.	h.	PROPN
hassl-4380	384	6	(	(	PUNCT
hassl-4380	384	7	2021	2021	NUM
hassl-4380	384	8	)	)	PUNCT
hassl-4380	384	9	.	.	PUNCT
hassl-4380	385	1	comprehensive	comprehensive	ADJ
hassl-4380	385	2	financial	financial	ADJ
hassl-4380	385	3	development	development	NOUN
hassl-4380	385	4	towards	towards	ADP
hassl-4380	385	5	financial	financial	ADJ
hassl-4380	385	6	stability	stability	NOUN
hassl-4380	385	7	in	in	ADP
hassl-4380	385	8	vietnam	vietnam	PROPN
hassl-4380	385	9	.	.	PUNCT
hassl-4380	386	1	tạp	tạp	NOUN
hassl-4380	386	2	chí	chí	NOUN
hassl-4380	386	3	ngân	ngân	PROPN
hassl-4380	386	4	hàng	hàng	PROPN
hassl-4380	386	5	.	.	PUNCT
hassl-4380	387	1	retrieved	retrieve	VERB
hassl-4380	387	2	from	from	ADP
hassl-4380	387	3	https://tapchinganhang.gov.vn/phat-trien-tai-chinh-toan-dien-huong-toi-on-dinh-tai-chinh-tai-viet-nam-11171.html	https://tapchinganhang.gov.vn/phat-trien-tai-chinh-toan-dien-huong-toi-on-dinh-tai-chinh-tai-viet-nam-11171.html	PROPN
hassl-4380	387	4	lee	lee	PROPN
hassl-4380	387	5	,	,	PUNCT
hassl-4380	387	6	c.-c	c.-c	PROPN
hassl-4380	387	7	.	.	PUNCT
hassl-4380	387	8	,	,	PUNCT
hassl-4380	387	9	&	&	CCONJ
hassl-4380	387	10	chang	chang	PROPN
hassl-4380	387	11	,	,	PUNCT
hassl-4380	387	12	c.-p	c.-p	PROPN
hassl-4380	387	13	.	.	PUNCT
hassl-4380	388	1	(	(	PUNCT
hassl-4380	388	2	2007	2007	NUM
hassl-4380	388	3	)	)	PUNCT
hassl-4380	388	4	.	.	PUNCT
hassl-4380	389	1	the	the	DET
hassl-4380	389	2	impact	impact	NOUN
hassl-4380	389	3	of	of	ADP
hassl-4380	389	4	energy	energy	NOUN
hassl-4380	389	5	consumption	consumption	NOUN
hassl-4380	389	6	on	on	ADP
hassl-4380	389	7	economic	economic	ADJ
hassl-4380	389	8	growth	growth	NOUN
hassl-4380	389	9	:	:	PUNCT
hassl-4380	389	10	evidence	evidence	NOUN
hassl-4380	389	11	from	from	ADP
hassl-4380	389	12	linear	linear	ADJ
hassl-4380	389	13	and	and	CCONJ
hassl-4380	389	14	nonlinear	nonlinear	ADJ
hassl-4380	389	15	models	model	NOUN
hassl-4380	389	16	in	in	ADP
hassl-4380	389	17	taiwan	taiwan	PROPN
hassl-4380	389	18	.	.	PUNCT
hassl-4380	390	1	energy	energy	NOUN
hassl-4380	390	2	,	,	PUNCT
hassl-4380	390	3	32(12	32(12	NUM
hassl-4380	390	4	)	)	PUNCT
hassl-4380	390	5	,	,	PUNCT
hassl-4380	390	6	2282	2282	NUM
hassl-4380	390	7	-	-	SYM
hassl-4380	390	8	2294	2294	NUM
hassl-4380	390	9	.	.	PUNCT
hassl-4380	391	1	https://doi.org/10.1016/j.energy.2006.01.017	https://doi.org/10.1016/j.energy.2006.01.017	PROPN
hassl-4380	391	2	lubis	lubis	PROPN
hassl-4380	391	3	,	,	PUNCT
hassl-4380	391	4	h.	h.	PROPN
hassl-4380	391	5	,	,	PUNCT
hassl-4380	391	6	kumar	kumar	PROPN
hassl-4380	391	7	,	,	PUNCT
hassl-4380	391	8	m.	m.	PROPN
hassl-4380	391	9	d.	d.	PROPN
hassl-4380	391	10	,	,	PUNCT
hassl-4380	391	11	ikbar	ikbar	PROPN
hassl-4380	391	12	,	,	PUNCT
hassl-4380	391	13	p.	p.	NOUN
hassl-4380	391	14	,	,	PUNCT
hassl-4380	391	15	&	&	CCONJ
hassl-4380	391	16	muneer	muneer	NOUN
hassl-4380	391	17	,	,	PUNCT
hassl-4380	391	18	s.	s.	PROPN
hassl-4380	391	19	(	(	PUNCT
hassl-4380	391	20	2015	2015	NUM
hassl-4380	391	21	)	)	PUNCT
hassl-4380	391	22	.	.	PUNCT
hassl-4380	392	1	role	role	NOUN
hassl-4380	392	2	of	of	ADP
hassl-4380	392	3	psychological	psychological	ADJ
hassl-4380	392	4	factors	factor	NOUN
hassl-4380	392	5	in	in	ADP
hassl-4380	392	6	individuals	individual	NOUN
hassl-4380	392	7	investment	investment	NOUN
hassl-4380	392	8	decisions	decision	NOUN
hassl-4380	392	9	.	.	PUNCT
hassl-4380	393	1	international	international	ADJ
hassl-4380	393	2	journal	journal	PROPN
hassl-4380	393	3	of	of	ADP
hassl-4380	393	4	economics	economic	NOUN
hassl-4380	393	5	and	and	CCONJ
hassl-4380	393	6	financial	financial	ADJ
hassl-4380	393	7	issues	issue	NOUN
hassl-4380	393	8	,	,	PUNCT
hassl-4380	393	9	5(1	5(1	NUM
hassl-4380	393	10	)	)	PUNCT
hassl-4380	393	11	,	,	PUNCT
hassl-4380	393	12	397	397	NUM
hassl-4380	393	13	-	-	SYM
hassl-4380	393	14	405	405	NUM
hassl-4380	393	15	.	.	PUNCT
hassl-4380	394	1	lusardi	lusardi	PROPN
hassl-4380	394	2	,	,	PUNCT
hassl-4380	394	3	a.	a.	PROPN
hassl-4380	394	4	,	,	PUNCT
hassl-4380	394	5	&	&	CCONJ
hassl-4380	394	6	mitchell	mitchell	PROPN
hassl-4380	394	7	,	,	PUNCT
hassl-4380	394	8	o.	o.	PROPN
hassl-4380	394	9	s.	s.	PROPN
hassl-4380	394	10	(	(	PUNCT
hassl-4380	394	11	2014	2014	NUM
hassl-4380	394	12	)	)	PUNCT
hassl-4380	394	13	.	.	PUNCT
hassl-4380	395	1	the	the	DET
hassl-4380	395	2	economic	economic	ADJ
hassl-4380	395	3	importance	importance	NOUN
hassl-4380	395	4	of	of	ADP
hassl-4380	395	5	financial	financial	ADJ
hassl-4380	395	6	literacy	literacy	NOUN
hassl-4380	395	7	:	:	PUNCT
hassl-4380	395	8	theory	theory	NOUN
hassl-4380	395	9	and	and	CCONJ
hassl-4380	395	10	evidence	evidence	NOUN
hassl-4380	395	11	.	.	PUNCT
hassl-4380	396	1	journal	journal	NOUN
hassl-4380	396	2	of	of	ADP
hassl-4380	396	3	economic	economic	ADJ
hassl-4380	396	4	literature	literature	NOUN
hassl-4380	396	5	,	,	PUNCT
hassl-4380	396	6	52(1	52(1	NOUN
hassl-4380	396	7	)	)	PUNCT
hassl-4380	396	8	,	,	PUNCT
hassl-4380	396	9	5	5	NUM
hassl-4380	396	10	-	-	SYM
hassl-4380	396	11	44	44	NUM
hassl-4380	396	12	.	.	PUNCT
hassl-4380	397	1	mandell	mandell	PROPN
hassl-4380	397	2	,	,	PUNCT
hassl-4380	397	3	l.	l.	PROPN
hassl-4380	397	4	,	,	PUNCT
hassl-4380	397	5	&	&	CCONJ
hassl-4380	397	6	klein	klein	PROPN
hassl-4380	397	7	,	,	PUNCT
hassl-4380	397	8	l.	l.	PROPN
hassl-4380	397	9	s.	s.	PROPN
hassl-4380	397	10	(	(	PUNCT
hassl-4380	397	11	2009	2009	NUM
hassl-4380	397	12	)	)	PUNCT
hassl-4380	397	13	.	.	PUNCT
hassl-4380	398	1	the	the	DET
hassl-4380	398	2	impact	impact	NOUN
hassl-4380	398	3	of	of	ADP
hassl-4380	398	4	financial	financial	ADJ
hassl-4380	398	5	literacy	literacy	NOUN
hassl-4380	398	6	education	education	NOUN
hassl-4380	398	7	on	on	ADP
hassl-4380	398	8	subsequent	subsequent	ADJ
hassl-4380	398	9	financial	financial	ADJ
hassl-4380	398	10	behavior	behavior	NOUN
hassl-4380	398	11	.	.	PUNCT
hassl-4380	399	1	ssrn.com	ssrn.com	X
hassl-4380	399	2	.	.	PUNCT
hassl-4380	399	3	retrieved	retrieve	VERB
hassl-4380	399	4	from	from	ADP
hassl-4380	399	5	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2224231	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2224231	PROPN
hassl-4380	399	6	martin	martin	PROPN
hassl-4380	399	7	,	,	PUNCT
hassl-4380	399	8	a.	a.	PROPN
hassl-4380	399	9	b.	b.	PROPN
hassl-4380	399	10	,	,	PUNCT
hassl-4380	399	11	hartman	hartman	PROPN
hassl-4380	399	12	,	,	PUNCT
hassl-4380	399	13	m.	m.	NOUN
hassl-4380	399	14	,	,	PUNCT
hassl-4380	399	15	washington	washington	PROPN
hassl-4380	399	16	,	,	PUNCT
hassl-4380	399	17	b.	b.	PROPN
hassl-4380	399	18	,	,	PUNCT
hassl-4380	399	19	catlin	catlin	PROPN
hassl-4380	399	20	,	,	PUNCT
hassl-4380	399	21	a.	a.	PROPN
hassl-4380	399	22	,	,	PUNCT
hassl-4380	399	23	&	&	CCONJ
hassl-4380	399	24	team	team	PROPN
hassl-4380	399	25	,	,	PUNCT
hassl-4380	399	26	n.	n.	PROPN
hassl-4380	399	27	h.	h.	PROPN
hassl-4380	399	28	e.	e.	PROPN
hassl-4380	399	29	a.	a.	PROPN
hassl-4380	399	30	(	(	PUNCT
hassl-4380	399	31	2017	2017	NUM
hassl-4380	399	32	)	)	PUNCT
hassl-4380	399	33	.	.	PUNCT
hassl-4380	400	1	national	national	ADJ
hassl-4380	400	2	health	health	NOUN
hassl-4380	400	3	spending	spending	NOUN
hassl-4380	400	4	:	:	PUNCT
hassl-4380	400	5	faster	fast	ADJ
hassl-4380	400	6	growth	growth	NOUN
hassl-4380	400	7	in	in	ADP
hassl-4380	400	8	2015	2015	NUM
hassl-4380	400	9	as	as	SCONJ
hassl-4380	400	10	coverage	coverage	NOUN
hassl-4380	400	11	expands	expand	VERB
hassl-4380	400	12	and	and	CCONJ
hassl-4380	400	13	utilization	utilization	NOUN
hassl-4380	400	14	increases	increase	NOUN
hassl-4380	400	15	.	.	PUNCT
hassl-4380	401	1	health	health	NOUN
hassl-4380	401	2	affairs	affair	NOUN
hassl-4380	401	3	,	,	PUNCT
hassl-4380	401	4	36(1	36(1	NUM
hassl-4380	401	5	)	)	PUNCT
hassl-4380	401	6	,	,	PUNCT
hassl-4380	401	7	166	166	NUM
hassl-4380	401	8	-	-	SYM
hassl-4380	401	9	176	176	NUM
hassl-4380	401	10	.	.	PUNCT
hassl-4380	402	1	morgan	morgan	PROPN
hassl-4380	402	2	,	,	PUNCT
hassl-4380	402	3	p.	p.	PROPN
hassl-4380	402	4	j.	j.	PROPN
hassl-4380	402	5	,	,	PUNCT
hassl-4380	402	6	&	&	CCONJ
hassl-4380	402	7	trinh	trinh	PROPN
hassl-4380	402	8	,	,	PUNCT
hassl-4380	402	9	l.	l.	PROPN
hassl-4380	402	10	q.	q.	PROPN
hassl-4380	402	11	(	(	PUNCT
hassl-4380	402	12	2017	2017	NUM
hassl-4380	402	13	)	)	PUNCT
hassl-4380	402	14	.	.	PUNCT
hassl-4380	403	1	determinants	determinant	NOUN
hassl-4380	403	2	and	and	CCONJ
hassl-4380	403	3	impacts	impact	NOUN
hassl-4380	403	4	of	of	ADP
hassl-4380	403	5	financial	financial	ADJ
hassl-4380	403	6	literacy	literacy	NOUN
hassl-4380	403	7	in	in	ADP
hassl-4380	403	8	cambodia	cambodia	PROPN
hassl-4380	403	9	and	and	CCONJ
hassl-4380	403	10	viet	viet	PROPN
hassl-4380	403	11	 	 	SPACE
hassl-4380	403	12	nam	nam	PROPN
hassl-4380	403	13	.	.	PUNCT
hassl-4380	404	1	adbi	adbi	PROPN
hassl-4380	404	2	working	working	PROPN
hassl-4380	404	3	paper	paper	NOUN
hassl-4380	404	4	no	no	INTJ
hassl-4380	404	5	.	.	PROPN
hassl-4380	404	6	754	754	NUM
hassl-4380	404	7	.	.	PUNCT
hassl-4380	405	1	asian	asian	PROPN
hassl-4380	405	2	development	development	PROPN
hassl-4380	405	3	bank	bank	PROPN
hassl-4380	405	4	institute	institute	PROPN
hassl-4380	405	5	.	.	PUNCT
hassl-4380	406	1	mubaraq	mubaraq	PROPN
hassl-4380	406	2	,	,	PUNCT
hassl-4380	406	3	m.	m.	PROPN
hassl-4380	406	4	r.	r.	PROPN
hassl-4380	406	5	,	,	PUNCT
hassl-4380	406	6	anshori	anshori	NOUN
hassl-4380	406	7	,	,	PUNCT
hassl-4380	406	8	m.	m.	NOUN
hassl-4380	406	9	,	,	PUNCT
hassl-4380	406	10	&	&	CCONJ
hassl-4380	406	11	trihatmoko	trihatmoko	PROPN
hassl-4380	406	12	,	,	PUNCT
hassl-4380	406	13	h.	h.	PROPN
hassl-4380	406	14	(	(	PUNCT
hassl-4380	406	15	2021	2021	NUM
hassl-4380	406	16	)	)	PUNCT
hassl-4380	406	17	.	.	PUNCT
hassl-4380	407	1	the	the	DET
hassl-4380	407	2	influence	influence	NOUN
hassl-4380	407	3	of	of	ADP
hassl-4380	407	4	financial	financial	ADJ
hassl-4380	407	5	knowledge	knowledge	NOUN
hassl-4380	407	6	and	and	CCONJ
hassl-4380	407	7	risk	risk	NOUN
hassl-4380	407	8	tolerance	tolerance	NOUN
hassl-4380	407	9	on	on	ADP
hassl-4380	407	10	investment	investment	NOUN
hassl-4380	407	11	decision	decision	NOUN
hassl-4380	407	12	making	making	NOUN
hassl-4380	407	13	.	.	PUNCT
hassl-4380	408	1	jurnal	jurnal	ADJ
hassl-4380	408	2	ekonomi	ekonomi	PROPN
hassl-4380	408	3	bisnis	bisnis	PROPN
hassl-4380	408	4	dan	dan	PROPN
hassl-4380	408	5	kewirausahaan	kewirausahaan	PROPN
hassl-4380	408	6	,	,	PUNCT
hassl-4380	408	7	10(2	10(2	NUM
hassl-4380	408	8	)	)	PUNCT
hassl-4380	408	9	,	,	PUNCT
hassl-4380	408	10	140–153	140–153	NUM
hassl-4380	408	11	.	.	PUNCT
hassl-4380	408	12	https://doi.org/10.26418/jebik.v10i2.47089	https://doi.org/10.26418/jebik.v10i2.47089	VERB
hassl-4380	409	1	my	my	PRON
hassl-4380	409	2	 	 	SPACE
hassl-4380	409	3	ha	ha	INTJ
hassl-4380	409	4	.	.	PUNCT
hassl-4380	409	5	(	(	PUNCT
hassl-4380	409	6	2023	2023	NUM
hassl-4380	409	7	)	)	PUNCT
hassl-4380	409	8	.	.	PUNCT
hassl-4380	410	1	cramming	cram	VERB
hassl-4380	410	2	600,000	600,000	NUM
hassl-4380	410	3	university	university	NOUN
hassl-4380	410	4	students	student	NOUN
hassl-4380	410	5	into	into	ADP
hassl-4380	410	6	the	the	DET
hassl-4380	410	7	inner	inner	ADJ
hassl-4380	410	8	city	city	NOUN
hassl-4380	410	9	will	will	AUX
hassl-4380	410	10	leave	leave	VERB
hassl-4380	410	11	no	no	DET
hassl-4380	410	12	room	room	NOUN
hassl-4380	410	13	to	to	PART
hassl-4380	410	14	breathe	breathe	VERB
hassl-4380	410	15	.	.	PUNCT
hassl-4380	411	1	dân	dân	PROPN
hassl-4380	411	2	 	 	SPACE
hassl-4380	411	3	trí	trí	PROPN
hassl-4380	411	4	electronic	electronic	ADJ
hassl-4380	411	5	newspaper	newspaper	NOUN
hassl-4380	411	6	.	.	PUNCT
hassl-4380	412	1	nelson	nelson	PROPN
hassl-4380	412	2	,	,	PUNCT
hassl-4380	412	3	r.	r.	PROPN
hassl-4380	412	4	r.	r.	PROPN
hassl-4380	412	5	,	,	PUNCT
hassl-4380	412	6	&	&	CCONJ
hassl-4380	412	7	consoli	consoli	PROPN
hassl-4380	412	8	,	,	PUNCT
hassl-4380	412	9	d.	d.	PROPN
hassl-4380	412	10	(	(	PUNCT
hassl-4380	412	11	2010	2010	NUM
hassl-4380	412	12	)	)	PUNCT
hassl-4380	412	13	.	.	PUNCT
hassl-4380	413	1	an	an	DET
hassl-4380	413	2	evolutionary	evolutionary	ADJ
hassl-4380	413	3	theory	theory	NOUN
hassl-4380	413	4	of	of	ADP
hassl-4380	413	5	household	household	NOUN
hassl-4380	413	6	consumption	consumption	NOUN
hassl-4380	413	7	behavior	behavior	NOUN
hassl-4380	413	8	.	.	PUNCT
hassl-4380	414	1	journal	journal	PROPN
hassl-4380	414	2	of	of	ADP
hassl-4380	414	3	evolutionary	evolutionary	ADJ
hassl-4380	414	4	economics	economic	NOUN
hassl-4380	414	5	,	,	PUNCT
hassl-4380	414	6	20	20	NUM
hassl-4380	414	7	,	,	PUNCT
hassl-4380	414	8	665	665	NUM
hassl-4380	414	9	-	-	SYM
hassl-4380	414	10	687	687	NUM
hassl-4380	414	11	.	.	PUNCT
hassl-4380	415	1	nguyen	nguyen	NOUN
hassl-4380	415	2	,	,	PUNCT
hassl-4380	415	3	d.	d.	PROPN
hassl-4380	415	4	s.	s.	PROPN
hassl-4380	415	5	,	,	PUNCT
hassl-4380	415	6	van	van	PROPN
hassl-4380	415	7	hoang	hoang	PROPN
hassl-4380	415	8	,	,	PUNCT
hassl-4380	415	9	t.	t.	PROPN
hassl-4380	415	10	h.	h.	PROPN
hassl-4380	415	11	,	,	PUNCT
hassl-4380	415	12	pho	pho	PROPN
hassl-4380	415	13	,	,	PUNCT
hassl-4380	415	14	k.	k.	PROPN
hassl-4380	415	15	,	,	PUNCT
hassl-4380	415	16	&	&	CCONJ
hassl-4380	415	17	nhan	nhan	PROPN
hassl-4380	415	18	,	,	PUNCT
hassl-4380	415	19	d.	d.	PROPN
hassl-4380	415	20	t.	t.	PROPN
hassl-4380	415	21	t.	t.	PROPN
hassl-4380	415	22	(	(	PUNCT
hassl-4380	415	23	2023	2023	NUM
hassl-4380	415	24	)	)	PUNCT
hassl-4380	415	25	.	.	PUNCT
hassl-4380	416	1	financial	financial	ADJ
hassl-4380	416	2	literacy	literacy	NOUN
hassl-4380	416	3	and	and	CCONJ
hassl-4380	416	4	portfolio	portfolio	NOUN
hassl-4380	416	5	diversification	diversification	NOUN
hassl-4380	416	6	:	:	PUNCT
hassl-4380	416	7	evidence	evidence	NOUN
hassl-4380	416	8	from	from	ADP
hassl-4380	416	9	vietnam	vietnam	PROPN
hassl-4380	416	10	.	.	PUNCT
hassl-4380	417	1	journal	journal	PROPN
hassl-4380	417	2	of	of	ADP
hassl-4380	417	3	competitiveness	competitiveness	NOUN
hassl-4380	417	4	,	,	PUNCT
hassl-4380	417	5	15(3	15(3	NUM
hassl-4380	417	6	)	)	PUNCT
hassl-4380	417	7	,	,	PUNCT
hassl-4380	417	8	79–103	79–103	PROPN
hassl-4380	417	9	.	.	PROPN
hassl-4380	417	10	nguyen	nguyen	PROPN
hassl-4380	417	11	,	,	PUNCT
hassl-4380	417	12	d.	d.	PROPN
hassl-4380	417	13	t.	t.	PROPN
hassl-4380	417	14	(	(	PUNCT
hassl-4380	417	15	2017	2017	NUM
hassl-4380	417	16	)	)	PUNCT
hassl-4380	417	17	.	.	PUNCT
hassl-4380	418	1	factors	factor	NOUN
hassl-4380	418	2	affecting	affect	VERB
hassl-4380	418	3	financial	financial	ADJ
hassl-4380	418	4	literacy	literacy	NOUN
hassl-4380	418	5	of	of	ADP
hassl-4380	418	6	vietnamese	vietnamese	ADJ
hassl-4380	418	7	adults	adult	NOUN
hassl-4380	418	8	:	:	PUNCT
hassl-4380	418	9	a	a	DET
hassl-4380	418	10	case	case	NOUN
hassl-4380	418	11	study	study	NOUN
hassl-4380	418	12	for	for	ADP
hassl-4380	418	13	hanoi	hanoi	NOUN
hassl-4380	418	14	and	and	CCONJ
hassl-4380	418	15	nghe	nghe	PROPN
hassl-4380	418	16	an	an	PROPN
hassl-4380	418	17	.	.	PROPN
hassl-4380	418	18	vnu	vnu	PROPN
hassl-4380	418	19	journal	journal	PROPN
hassl-4380	418	20	of	of	ADP
hassl-4380	418	21	economics	economic	NOUN
hassl-4380	418	22	and	and	CCONJ
hassl-4380	418	23	business	business	NOUN
hassl-4380	418	24	,	,	PUNCT
hassl-4380	418	25	33(2	33(2	NUM
hassl-4380	418	26	)	)	PUNCT
hassl-4380	418	27	,	,	PUNCT
hassl-4380	418	28	59–73	59–73	NUM
hassl-4380	418	29	.	.	PUNCT
hassl-4380	419	1	nguyen	nguyen	NOUN
hassl-4380	419	2	,	,	PUNCT
hassl-4380	419	3	t.	t.	PROPN
hassl-4380	419	4	h.	h.	PROPN
hassl-4380	419	5	l.	l.	PROPN
hassl-4380	419	6	,	,	PUNCT
hassl-4380	419	7	nguyen	nguyen	NOUN
hassl-4380	419	8	,	,	PUNCT
hassl-4380	419	9	t.	t.	PROPN
hassl-4380	419	10	m.	m.	PROPN
hassl-4380	419	11	l.	l.	PROPN
hassl-4380	419	12	,	,	PUNCT
hassl-4380	419	13	&	&	CCONJ
hassl-4380	419	14	vu	vu	PROPN
hassl-4380	419	15	,	,	PUNCT
hassl-4380	419	16	t.	t.	PROPN
hassl-4380	419	17	m.	m.	PROPN
hassl-4380	419	18	n.	n.	PROPN
hassl-4380	419	19	(	(	PUNCT
hassl-4380	419	20	2024	2024	NUM
hassl-4380	419	21	)	)	PUNCT
hassl-4380	419	22	.	.	PUNCT
hassl-4380	420	1	factors	factor	NOUN
hassl-4380	420	2	affecting	affect	VERB
hassl-4380	420	3	investment	investment	NOUN
hassl-4380	420	4	decisions	decision	NOUN
hassl-4380	420	5	of	of	ADP
hassl-4380	420	6	individual	individual	ADJ
hassl-4380	420	7	investors	investor	NOUN
hassl-4380	420	8	in	in	ADP
hassl-4380	420	9	the	the	DET
hassl-4380	420	10	vietnamese	vietnamese	ADJ
hassl-4380	420	11	stock	stock	NOUN
hassl-4380	420	12	market	market	NOUN
hassl-4380	420	13	:	:	PUNCT
hassl-4380	420	14	a	a	DET
hassl-4380	420	15	case	case	NOUN
hassl-4380	420	16	study	study	NOUN
hassl-4380	420	17	of	of	ADP
hassl-4380	420	18	students	student	NOUN
hassl-4380	420	19	at	at	ADP
hassl-4380	420	20	the	the	DET
hassl-4380	420	21	university	university	PROPN
hassl-4380	420	22	of	of	ADP
hassl-4380	420	23	economics	economics	PROPN
hassl-4380	420	24	vietnam	vietnam	PROPN
hassl-4380	420	25	national	national	PROPN
hassl-4380	420	26	university	university	PROPN
hassl-4380	420	27	,	,	PUNCT
hassl-4380	420	28	hanoi	hanoi	PROPN
hassl-4380	420	29	.	.	PUNCT
hassl-4380	421	1	tạp	tạp	VERB
hassl-4380	421	2	chí	chí	NOUN
hassl-4380	421	3	kinh	kinh	PROPN
hassl-4380	421	4	tế	tế	NOUN
hassl-4380	421	5	luật	luật	NOUN
hassl-4380	421	6	&	&	CCONJ
hassl-4380	421	7	ngân	ngân	PROPN
hassl-4380	421	8	hàng	hàng	PROPN
hassl-4380	421	9	,	,	PUNCT
hassl-4380	421	10	26(4	26(4	NUM
hassl-4380	421	11	)	)	PUNCT
hassl-4380	421	12	,	,	PUNCT
hassl-4380	421	13	22	22	NUM
hassl-4380	421	14	-	-	SYM
hassl-4380	421	15	34	34	NUM
hassl-4380	421	16	.	.	PUNCT
hassl-4380	422	1	niedzielski	niedzielski	PROPN
hassl-4380	422	2	,	,	PUNCT
hassl-4380	422	3	e.	e.	PROPN
hassl-4380	422	4	(	(	PUNCT
hassl-4380	422	5	2013	2013	NUM
hassl-4380	422	6	)	)	PUNCT
hassl-4380	422	7	.	.	PUNCT
hassl-4380	423	1	factors	factor	NOUN
hassl-4380	423	2	determining	determine	VERB
hassl-4380	423	3	the	the	DET
hassl-4380	423	4	purchasing	purchasing	NOUN
hassl-4380	423	5	behaviours	behaviour	NOUN
hassl-4380	423	6	of	of	ADP
hassl-4380	423	7	consumers	consumer	NOUN
hassl-4380	423	8	in	in	ADP
hassl-4380	423	9	the	the	DET
hassl-4380	423	10	market	market	NOUN
hassl-4380	423	11	of	of	ADP
hassl-4380	423	12	daily	daily	ADJ
hassl-4380	423	13	use	use	NOUN
hassl-4380	423	14	goods	good	NOUN
hassl-4380	423	15	.	.	PUNCT
hassl-4380	424	1	olsztyn	olsztyn	PROPN
hassl-4380	424	2	economic	economic	PROPN
hassl-4380	424	3	journal	journal	PROPN
hassl-4380	424	4	,	,	PUNCT
hassl-4380	424	5	8(1	8(1	NOUN
hassl-4380	424	6	)	)	PUNCT
hassl-4380	424	7	,	,	PUNCT
hassl-4380	424	8	5	5	NUM
hassl-4380	424	9	-	-	SYM
hassl-4380	424	10	12	12	NUM
hassl-4380	424	11	.	.	PUNCT
hassl-4380	425	1	https://doi.org/10.31648/oej.3193	https://doi.org/10.31648/oej.3193	PROPN
hassl-4380	425	2	nugraha	nugraha	PROPN
hassl-4380	425	3	,	,	PUNCT
hassl-4380	425	4	f.	f.	PROPN
hassl-4380	425	5	m.	m.	PROPN
hassl-4380	425	6	,	,	PUNCT
hassl-4380	425	7	tulung	tulung	PROPN
hassl-4380	425	8	,	,	PUNCT
hassl-4380	425	9	j.	j.	PROPN
hassl-4380	425	10	e.	e.	PROPN
hassl-4380	425	11	,	,	PUNCT
hassl-4380	425	12	&	&	CCONJ
hassl-4380	425	13	arie	arie	PROPN
hassl-4380	425	14	,	,	PUNCT
hassl-4380	425	15	f.	f.	PROPN
hassl-4380	425	16	v.	v.	PROPN
hassl-4380	425	17	(	(	PUNCT
hassl-4380	425	18	2021	2021	NUM
hassl-4380	425	19	)	)	PUNCT
hassl-4380	425	20	.	.	PUNCT
hassl-4380	426	1	the	the	DET
hassl-4380	426	2	impact	impact	NOUN
hassl-4380	426	3	of	of	ADP
hassl-4380	426	4	financial	financial	ADJ
hassl-4380	426	5	literacy	literacy	NOUN
hassl-4380	426	6	and	and	CCONJ
hassl-4380	426	7	financial	financial	ADJ
hassl-4380	426	8	inclusion	inclusion	NOUN
hassl-4380	426	9	on	on	ADP
hassl-4380	426	10	investment	investment	NOUN
hassl-4380	426	11	decision	decision	NOUN
hassl-4380	426	12	in	in	ADP
hassl-4380	426	13	manado	manado	PROPN
hassl-4380	426	14	.	.	PUNCT
hassl-4380	427	1	jurnal	jurnal	PROPN
hassl-4380	427	2	emba	emba	PROPN
hassl-4380	427	3	:	:	PUNCT
hassl-4380	427	4	jurnal	jurnal	ADJ
hassl-4380	427	5	riset	riset	PROPN
hassl-4380	427	6	ekonomi	ekonomi	PROPN
hassl-4380	427	7	,	,	PUNCT
hassl-4380	427	8	manajemen	manajeman	NOUN
hassl-4380	427	9	,	,	PUNCT
hassl-4380	427	10	bisnis	bisnis	PROPN
hassl-4380	427	11	dan	dan	PROPN
hassl-4380	427	12	akuntansi	akuntansi	PROPN
hassl-4380	427	13	,	,	PUNCT
hassl-4380	427	14	9(3	9(3	NUM
hassl-4380	427	15	)	)	PUNCT
hassl-4380	427	16	,	,	PUNCT
hassl-4380	427	17	411–418	411–418	NUM
hassl-4380	427	18	.	.	PUNCT
hassl-4380	428	1	phung	phung	PROPN
hassl-4380	428	2	,	,	PUNCT
hassl-4380	428	3	t.	t.	PROPN
hassl-4380	428	4	m.	m.	NOUN
hassl-4380	428	5	,	,	PUNCT
hassl-4380	428	6	tran	tran	PROPN
hassl-4380	428	7	,	,	PUNCT
hassl-4380	428	8	q.	q.	PROPN
hassl-4380	428	9	n.	n.	PROPN
hassl-4380	428	10	,	,	PUNCT
hassl-4380	428	11	nguyen‐hoang	nguyen‐hoang	PROPN
hassl-4380	428	12	,	,	PUNCT
hassl-4380	428	13	p.	p.	NOUN
hassl-4380	428	14	,	,	PUNCT
hassl-4380	428	15	nguyen	nguyen	PROPN
hassl-4380	428	16	,	,	PUNCT
hassl-4380	428	17	n.	n.	PROPN
hassl-4380	428	18	h.	h.	PROPN
hassl-4380	428	19	,	,	PUNCT
hassl-4380	428	20	&	&	CCONJ
hassl-4380	428	21	nguyen	nguyen	PROPN
hassl-4380	428	22	,	,	PUNCT
hassl-4380	428	23	t.	t.	PROPN
hassl-4380	428	24	h.	h.	PROPN
hassl-4380	428	25	(	(	PUNCT
hassl-4380	428	26	2023	2023	NUM
hassl-4380	428	27	)	)	PUNCT
hassl-4380	428	28	.	.	PUNCT
hassl-4380	429	1	the	the	DET
hassl-4380	429	2	role	role	NOUN
hassl-4380	429	3	of	of	ADP
hassl-4380	429	4	learning	learn	VERB
hassl-4380	429	5	motivation	motivation	NOUN
hassl-4380	429	6	on	on	ADP
hassl-4380	429	7	financial	financial	ADJ
hassl-4380	429	8	knowledge	knowledge	NOUN
hassl-4380	429	9	among	among	ADP
hassl-4380	429	10	vietnamese	vietnamese	ADJ
hassl-4380	429	11	college	college	NOUN
hassl-4380	429	12	students	student	NOUN
hassl-4380	429	13	.	.	PUNCT
hassl-4380	430	1	journal	journal	NOUN
hassl-4380	430	2	of	of	ADP
hassl-4380	430	3	consumer	consumer	NOUN
hassl-4380	430	4	affairs	affair	NOUN
hassl-4380	430	5	,	,	PUNCT
hassl-4380	430	6	57(1	57(1	NUM
hassl-4380	430	7	)	)	PUNCT
hassl-4380	430	8	,	,	PUNCT
hassl-4380	430	9	529	529	NUM
hassl-4380	430	10	-	-	SYM
hassl-4380	430	11	563	563	NUM
hassl-4380	430	12	.	.	PUNCT
hassl-4380	431	1	raut	raut	PROPN
hassl-4380	431	2	,	,	PUNCT
hassl-4380	431	3	r.	r.	PROPN
hassl-4380	431	4	k.	k.	PROPN
hassl-4380	431	5	(	(	PUNCT
hassl-4380	431	6	2020	2020	NUM
hassl-4380	431	7	)	)	PUNCT
hassl-4380	431	8	.	.	PUNCT
hassl-4380	432	1	past	past	ADJ
hassl-4380	432	2	behaviour	behaviour	NOUN
hassl-4380	432	3	,	,	PUNCT
hassl-4380	432	4	financial	financial	ADJ
hassl-4380	432	5	literacy	literacy	NOUN
hassl-4380	432	6	and	and	CCONJ
hassl-4380	432	7	investment	investment	NOUN
hassl-4380	432	8	decision	decision	NOUN
hassl-4380	432	9	-	-	PUNCT
hassl-4380	432	10	making	make	VERB
hassl-4380	432	11	process	process	NOUN
hassl-4380	432	12	of	of	ADP
hassl-4380	432	13	individual	individual	ADJ
hassl-4380	432	14	investors	investor	NOUN
hassl-4380	432	15	.	.	PUNCT
hassl-4380	433	1	international	international	ADJ
hassl-4380	433	2	journal	journal	NOUN
hassl-4380	433	3	of	of	ADP
hassl-4380	433	4	emerging	emerge	VERB
hassl-4380	433	5	markets	market	NOUN
hassl-4380	433	6	,	,	PUNCT
hassl-4380	433	7	15(6	15(6	NUM
hassl-4380	433	8	)	)	PUNCT
hassl-4380	433	9	,	,	PUNCT
hassl-4380	433	10	1243	1243	NUM
hassl-4380	433	11	-	-	SYM
hassl-4380	433	12	1263	1263	NUM
hassl-4380	433	13	.	.	PUNCT
hassl-4380	434	1	https://tapchinganhang.gov.vn/phat-trien-tai-chinh-toan-dien-huong-toi-on-dinh-tai-chinh-tai-viet-nam-11171.html	https://tapchinganhang.gov.vn/phat-trien-tai-chinh-toan-dien-huong-toi-on-dinh-tai-chinh-tai-viet-nam-11171.html	PROPN
hassl-4380	434	2	https://doi.org/10.1016/j.energy.2006.01.017	https://doi.org/10.1016/j.energy.2006.01.017	PRON
hassl-4380	434	3	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2224231	https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2224231	PROPN
hassl-4380	434	4	https://doi.org/10.26418/jebik.v10i2.47089	https://doi.org/10.26418/jebik.v10i2.47089	PUNCT
hassl-4380	434	5	https://doi.org/10.31648/oej.3193	https://doi.org/10.31648/oej.3193	PROPN
hassl-4380	434	6	humanities	humanity	NOUN
hassl-4380	434	7	and	and	CCONJ
hassl-4380	434	8	social	social	ADJ
hassl-4380	434	9	sciences	science	NOUN
hassl-4380	434	10	letters	letter	NOUN
hassl-4380	434	11	,	,	PUNCT
hassl-4380	434	12	2025	2025	NUM
hassl-4380	434	13	,	,	PUNCT
hassl-4380	434	14	13(3	13(3	NUM
hassl-4380	434	15	):	):	PUNCT
hassl-4380	434	16	1037	1037	NUM
hassl-4380	434	17	-	-	SYM
hassl-4380	434	18	1052	1052	NUM
hassl-4380	434	19	1051	1051	NUM
hassl-4380	434	20	©	©	PROPN
hassl-4380	434	21	2025	2025	NUM
hassl-4380	434	22	conscientia	conscientia	PROPN
hassl-4380	434	23	beam	beam	PROPN
hassl-4380	434	24	.	.	PUNCT
hassl-4380	435	1	all	all	DET
hassl-4380	435	2	rights	right	NOUN
hassl-4380	435	3	reserved	reserve	VERB
hassl-4380	435	4	.	.	PUNCT
hassl-4380	436	1	saunders	saunder	NOUN
hassl-4380	436	2	,	,	PUNCT
hassl-4380	436	3	m.	m.	NOUN
hassl-4380	436	4	,	,	PUNCT
hassl-4380	436	5	lewis	lewis	PROPN
hassl-4380	436	6	,	,	PUNCT
hassl-4380	436	7	p.	p.	PROPN
hassl-4380	436	8	,	,	PUNCT
hassl-4380	436	9	&	&	CCONJ
hassl-4380	436	10	thornhill	thornhill	PROPN
hassl-4380	436	11	,	,	PUNCT
hassl-4380	436	12	a.	a.	NOUN
hassl-4380	436	13	(	(	PUNCT
hassl-4380	436	14	2019	2019	NUM
hassl-4380	436	15	)	)	PUNCT
hassl-4380	436	16	.	.	PUNCT
hassl-4380	437	1	research	research	NOUN
hassl-4380	437	2	methods	method	NOUN
hassl-4380	437	3	for	for	ADP
hassl-4380	437	4	business	business	NOUN
hassl-4380	437	5	students	student	NOUN
hassl-4380	437	6	(	(	PUNCT
hassl-4380	437	7	8th	8th	ADJ
hassl-4380	437	8	ed	ed	NOUN
hassl-4380	437	9	.	.	PUNCT
hassl-4380	437	10	)	)	PUNCT
hassl-4380	437	11	.	.	PUNCT
hassl-4380	438	1	harlow	harlow	PROPN
hassl-4380	438	2	,	,	PUNCT
hassl-4380	438	3	england	england	PROPN
hassl-4380	438	4	:	:	PUNCT
hassl-4380	438	5	pearson	pearson	PROPN
hassl-4380	438	6	.	.	PROPN
hassl-4380	438	7	sedgwick	sedgwick	PROPN
hassl-4380	438	8	,	,	PUNCT
hassl-4380	439	1	p.	p.	PROPN
hassl-4380	439	2	(	(	PUNCT
hassl-4380	439	3	2013	2013	NUM
hassl-4380	439	4	)	)	PUNCT
hassl-4380	439	5	.	.	PUNCT
hassl-4380	440	1	convenience	convenience	NOUN
hassl-4380	440	2	sampling	sampling	NOUN
hassl-4380	440	3	.	.	PUNCT
hassl-4380	441	1	bmj	bmj	PROPN
hassl-4380	441	2	,	,	PUNCT
hassl-4380	441	3	347	347	NUM
hassl-4380	441	4	,	,	PUNCT
hassl-4380	441	5	f6304	f6304	PROPN
hassl-4380	441	6	.	.	PROPN
hassl-4380	441	7	https://doi.org/10.1136/bmj.f6304	https://doi.org/10.1136/bmj.f6304	NUM
hassl-4380	441	8	stella	stella	PROPN
hassl-4380	441	9	,	,	PUNCT
hassl-4380	441	10	g.	g.	PROPN
hassl-4380	441	11	p.	p.	PROPN
hassl-4380	441	12	,	,	PUNCT
hassl-4380	441	13	filotto	filotto	NOUN
hassl-4380	441	14	,	,	PUNCT
hassl-4380	441	15	u.	u.	PROPN
hassl-4380	441	16	,	,	PUNCT
hassl-4380	441	17	&	&	CCONJ
hassl-4380	441	18	cervellati	cervellati	PROPN
hassl-4380	441	19	,	,	PUNCT
hassl-4380	441	20	e.	e.	PROPN
hassl-4380	441	21	m.	m.	PROPN
hassl-4380	441	22	(	(	PUNCT
hassl-4380	441	23	2020	2020	NUM
hassl-4380	441	24	)	)	PUNCT
hassl-4380	441	25	.	.	PUNCT
hassl-4380	442	1	a	a	DET
hassl-4380	442	2	proposal	proposal	NOUN
hassl-4380	442	3	for	for	ADP
hassl-4380	442	4	a	a	DET
hassl-4380	442	5	new	new	ADJ
hassl-4380	442	6	financial	financial	ADJ
hassl-4380	442	7	literacy	literacy	NOUN
hassl-4380	442	8	questionnaire	questionnaire	NOUN
hassl-4380	442	9	.	.	PUNCT
hassl-4380	443	1	international	international	ADJ
hassl-4380	443	2	journal	journal	PROPN
hassl-4380	443	3	of	of	ADP
hassl-4380	443	4	business	business	NOUN
hassl-4380	443	5	and	and	CCONJ
hassl-4380	443	6	management	management	NOUN
hassl-4380	443	7	,	,	PUNCT
hassl-4380	443	8	15(2	15(2	NUM
hassl-4380	443	9	)	)	PUNCT
hassl-4380	443	10	,	,	PUNCT
hassl-4380	443	11	34	34	NUM
hassl-4380	443	12	-	-	SYM
hassl-4380	443	13	48	48	NUM
hassl-4380	443	14	.	.	PUNCT
hassl-4380	444	1	sylviana	sylviana	PROPN
hassl-4380	444	2	,	,	PUNCT
hassl-4380	444	3	m.	m.	NOUN
hassl-4380	444	4	d.	d.	PROPN
hassl-4380	444	5	,	,	PUNCT
hassl-4380	444	6	sylviana	sylviana	PROPN
hassl-4380	444	7	maya	maya	PROPN
hassl-4380	444	8	,	,	PUNCT
hassl-4380	444	9	murtaqi	murtaqi	PROPN
hassl-4380	444	10	,	,	PUNCT
hassl-4380	444	11	i.	i.	PROPN
hassl-4380	444	12	,	,	PUNCT
hassl-4380	444	13	&	&	CCONJ
hassl-4380	444	14	pradana	pradana	PROPN
hassl-4380	444	15	,	,	PUNCT
hassl-4380	444	16	h.	h.	PROPN
hassl-4380	444	17	a.	a.	PROPN
hassl-4380	445	1	(	(	PUNCT
hassl-4380	445	2	2018	2018	NUM
hassl-4380	445	3	)	)	PUNCT
hassl-4380	445	4	.	.	PUNCT
hassl-4380	446	1	the	the	DET
hassl-4380	446	2	importance	importance	NOUN
hassl-4380	446	3	of	of	ADP
hassl-4380	446	4	financial	financial	ADJ
hassl-4380	446	5	literacy	literacy	NOUN
hassl-4380	446	6	in	in	ADP
hassl-4380	446	7	a	a	DET
hassl-4380	446	8	global	global	ADJ
hassl-4380	446	9	economic	economic	ADJ
hassl-4380	446	10	era	era	NOUN
hassl-4380	446	11	.	.	PUNCT
hassl-4380	447	1	the	the	DET
hassl-4380	447	2	business	business	PROPN
hassl-4380	447	3	&	&	CCONJ
hassl-4380	447	4	management	management	PROPN
hassl-4380	447	5	review	review	PROPN
hassl-4380	447	6	,	,	PUNCT
hassl-4380	447	7	9(3	9(3	NUM
hassl-4380	447	8	)	)	PUNCT
hassl-4380	447	9	,	,	PUNCT
hassl-4380	447	10	435	435	NUM
hassl-4380	447	11	-	-	SYM
hassl-4380	447	12	441	441	NUM
hassl-4380	447	13	.	.	PUNCT
hassl-4380	447	14	tang	tang	PROPN
hassl-4380	447	15	,	,	PUNCT
hassl-4380	447	16	n.	n.	NOUN
hassl-4380	447	17	,	,	PUNCT
hassl-4380	447	18	&	&	CCONJ
hassl-4380	447	19	baker	baker	PROPN
hassl-4380	447	20	,	,	PUNCT
hassl-4380	447	21	a.	a.	PROPN
hassl-4380	447	22	(	(	PUNCT
hassl-4380	447	23	2016	2016	NUM
hassl-4380	447	24	)	)	PUNCT
hassl-4380	447	25	.	.	PUNCT
hassl-4380	448	1	self	self	NOUN
hassl-4380	448	2	-	-	PUNCT
hassl-4380	448	3	esteem	esteem	NOUN
hassl-4380	448	4	,	,	PUNCT
hassl-4380	448	5	financial	financial	ADJ
hassl-4380	448	6	knowledge	knowledge	NOUN
hassl-4380	448	7	and	and	CCONJ
hassl-4380	448	8	financial	financial	ADJ
hassl-4380	448	9	behavior	behavior	NOUN
hassl-4380	448	10	.	.	PUNCT
hassl-4380	449	1	journal	journal	NOUN
hassl-4380	449	2	of	of	ADP
hassl-4380	449	3	economic	economic	ADJ
hassl-4380	449	4	psychology	psychology	NOUN
hassl-4380	449	5	,	,	PUNCT
hassl-4380	449	6	54	54	NUM
hassl-4380	449	7	,	,	PUNCT
hassl-4380	449	8	164	164	NUM
hassl-4380	449	9	-	-	SYM
hassl-4380	449	10	176	176	NUM
hassl-4380	449	11	.	.	PUNCT
hassl-4380	450	1	https://doi.org/10.1016/j.joep.2016.04.005	https://doi.org/10.1016/j.joep.2016.04.005	NUM
hassl-4380	450	2	tavares	tavare	NOUN
hassl-4380	450	3	,	,	PUNCT
hassl-4380	450	4	f.	f.	PROPN
hassl-4380	450	5	o.	o.	PROPN
hassl-4380	450	6	,	,	PUNCT
hassl-4380	450	7	almeida	almeida	PROPN
hassl-4380	450	8	,	,	PUNCT
hassl-4380	450	9	l.	l.	PROPN
hassl-4380	450	10	g.	g.	PROPN
hassl-4380	450	11	,	,	PUNCT
hassl-4380	450	12	&	&	CCONJ
hassl-4380	450	13	cunha	cunha	NOUN
hassl-4380	450	14	,	,	PUNCT
hassl-4380	450	15	m.	m.	NOUN
hassl-4380	450	16	n.	n.	PROPN
hassl-4380	450	17	(	(	PUNCT
hassl-4380	450	18	2019	2019	NUM
hassl-4380	450	19	)	)	PUNCT
hassl-4380	450	20	.	.	PUNCT
hassl-4380	451	1	financial	financial	ADJ
hassl-4380	451	2	literacy	literacy	NOUN
hassl-4380	451	3	:	:	PUNCT
hassl-4380	451	4	study	study	NOUN
hassl-4380	451	5	of	of	ADP
hassl-4380	451	6	a	a	DET
hassl-4380	451	7	university	university	NOUN
hassl-4380	451	8	students	student	NOUN
hassl-4380	451	9	sample	sample	NOUN
hassl-4380	451	10	.	.	PUNCT
hassl-4380	452	1	international	international	ADJ
hassl-4380	452	2	journal	journal	PROPN
hassl-4380	452	3	of	of	ADP
hassl-4380	452	4	environmental	environmental	ADJ
hassl-4380	452	5	and	and	CCONJ
hassl-4380	452	6	science	science	NOUN
hassl-4380	452	7	education	education	NOUN
hassl-4380	452	8	,	,	PUNCT
hassl-4380	452	9	14(9	14(9	NUM
hassl-4380	452	10	)	)	PUNCT
hassl-4380	452	11	,	,	PUNCT
hassl-4380	452	12	499	499	NUM
hassl-4380	452	13	-	-	SYM
hassl-4380	452	14	510	510	NUM
hassl-4380	452	15	.	.	PUNCT
hassl-4380	452	16	ton	ton	PROPN
hassl-4380	452	17	,	,	PUNCT
hassl-4380	452	18	h.	h.	PROPN
hassl-4380	452	19	&	&	CCONJ
hassl-4380	452	20	dao	dao	PROPN
hassl-4380	452	21	,	,	PUNCT
hassl-4380	452	22	t.	t.	PROPN
hassl-4380	452	23	(	(	PUNCT
hassl-4380	452	24	2014	2014	NUM
hassl-4380	452	25	)	)	PUNCT
hassl-4380	452	26	.	.	PUNCT
hassl-4380	453	1	the	the	DET
hassl-4380	453	2	effects	effect	NOUN
hassl-4380	453	3	of	of	ADP
hassl-4380	453	4	psychology	psychology	NOUN
hassl-4380	453	5	on	on	ADP
hassl-4380	453	6	individual	individual	ADJ
hassl-4380	453	7	investors	investor	NOUN
hassl-4380	453	8	’	'	PUNCT
hassl-4380	453	9	behaviors	behavior	NOUN
hassl-4380	453	10	:	:	PUNCT
hassl-4380	453	11	evidence	evidence	NOUN
hassl-4380	453	12	from	from	ADP
hassl-4380	453	13	the	the	DET
hassl-4380	453	14	vietnam	vietnam	PROPN
hassl-4380	453	15	stock	stock	PROPN
hassl-4380	453	16	exchange	exchange	PROPN
hassl-4380	453	17	.	.	PUNCT
hassl-4380	454	1	journal	journal	NOUN
hassl-4380	454	2	of	of	ADP
hassl-4380	454	3	management	management	NOUN
hassl-4380	454	4	and	and	CCONJ
hassl-4380	454	5	sustainability	sustainability	NOUN
hassl-4380	454	6	,	,	PUNCT
hassl-4380	454	7	4(3	4(3	NUM
hassl-4380	454	8	)	)	PUNCT
hassl-4380	454	9	,	,	PUNCT
hassl-4380	454	10	125	125	NUM
hassl-4380	454	11	-	-	SYM
hassl-4380	454	12	133	133	NUM
hassl-4380	454	13	.	.	PUNCT
hassl-4380	455	1	https://doi.org/10.5539/jms.v4n3p125	https://doi.org/10.5539/jms.v4n3p125	PROPN
hassl-4380	455	2	tschache	tschache	PROPN
hassl-4380	455	3	,	,	PUNCT
hassl-4380	455	4	c.	c.	PROPN
hassl-4380	455	5	a.	a.	PROPN
hassl-4380	455	6	(	(	PUNCT
hassl-4380	455	7	2009	2009	NUM
hassl-4380	455	8	)	)	PUNCT
hassl-4380	455	9	.	.	PUNCT
hassl-4380	456	1	importance	importance	NOUN
hassl-4380	456	2	of	of	ADP
hassl-4380	456	3	financial	financial	ADJ
hassl-4380	456	4	literacy	literacy	NOUN
hassl-4380	456	5	,	,	PUNCT
hassl-4380	456	6	&	&	CCONJ
hassl-4380	456	7	financial	financial	ADJ
hassl-4380	456	8	literacy	literacy	NOUN
hassl-4380	456	9	content	content	NOUN
hassl-4380	456	10	in	in	ADP
hassl-4380	456	11	curriculum	curriculum	NOUN
hassl-4380	456	12	.	.	PUNCT
hassl-4380	457	1	doctoral	doctoral	ADJ
hassl-4380	457	2	dissertation	dissertation	NOUN
hassl-4380	457	3	,	,	PUNCT
hassl-4380	457	4	montana	montana	PROPN
hassl-4380	457	5	state	state	PROPN
hassl-4380	457	6	university	university	PROPN
hassl-4380	457	7	-	-	PUNCT
hassl-4380	457	8	bozeman	bozeman	NOUN
hassl-4380	457	9	,	,	PUNCT
hassl-4380	457	10	college	college	NOUN
hassl-4380	457	11	of	of	ADP
hassl-4380	457	12	education	education	NOUN
hassl-4380	457	13	,	,	PUNCT
hassl-4380	457	14	health	health	PROPN
hassl-4380	457	15	&	&	CCONJ
hassl-4380	457	16	human	human	PROPN
hassl-4380	457	17	development	development	PROPN
hassl-4380	457	18	.	.	PUNCT
hassl-4380	458	1	tunsakul	tunsakul	PROPN
hassl-4380	458	2	,	,	PUNCT
hassl-4380	458	3	k.	k.	PROPN
hassl-4380	458	4	(	(	PUNCT
hassl-4380	458	5	2020	2020	NUM
hassl-4380	458	6	)	)	PUNCT
hassl-4380	458	7	.	.	PUNCT
hassl-4380	459	1	gen	gen	PROPN
hassl-4380	459	2	z	z	PROPN
hassl-4380	459	3	consumers	consumer	NOUN
hassl-4380	459	4	’	'	PUNCT
hassl-4380	459	5	online	online	ADJ
hassl-4380	459	6	shopping	shopping	NOUN
hassl-4380	459	7	motives	motive	NOUN
hassl-4380	459	8	,	,	PUNCT
hassl-4380	459	9	attitude	attitude	NOUN
hassl-4380	459	10	,	,	PUNCT
hassl-4380	459	11	and	and	CCONJ
hassl-4380	459	12	shopping	shopping	NOUN
hassl-4380	459	13	intention	intention	NOUN
hassl-4380	459	14	.	.	PUNCT
hassl-4380	460	1	human	human	ADJ
hassl-4380	460	2	behavior	behavior	NOUN
hassl-4380	460	3	,	,	PUNCT
hassl-4380	460	4	development	development	NOUN
hassl-4380	460	5	and	and	CCONJ
hassl-4380	460	6	society	society	NOUN
hassl-4380	460	7	,	,	PUNCT
hassl-4380	460	8	21	21	NUM
hassl-4380	460	9	,	,	PUNCT
hassl-4380	460	10	7	7	NUM
hassl-4380	460	11	-	-	SYM
hassl-4380	460	12	16	16	NUM
hassl-4380	460	13	.	.	PUNCT
hassl-4380	461	1	turner	turner	PROPN
hassl-4380	461	2	,	,	PUNCT
hassl-4380	461	3	a.	a.	NOUN
hassl-4380	461	4	(	(	PUNCT
hassl-4380	461	5	2015	2015	NUM
hassl-4380	461	6	)	)	PUNCT
hassl-4380	461	7	.	.	PUNCT
hassl-4380	462	1	generation	generation	NOUN
hassl-4380	462	2	z	z	NOUN
hassl-4380	462	3	:	:	PUNCT
hassl-4380	462	4	technology	technology	NOUN
hassl-4380	462	5	and	and	CCONJ
hassl-4380	462	6	social	social	ADJ
hassl-4380	462	7	interest	interest	NOUN
hassl-4380	462	8	.	.	PUNCT
hassl-4380	463	1	the	the	DET
hassl-4380	463	2	journal	journal	NOUN
hassl-4380	463	3	of	of	ADP
hassl-4380	463	4	individual	individual	ADJ
hassl-4380	463	5	psychology	psychology	NOUN
hassl-4380	463	6	,	,	PUNCT
hassl-4380	463	7	71(2	71(2	NUM
hassl-4380	463	8	)	)	PUNCT
hassl-4380	463	9	,	,	PUNCT
hassl-4380	463	10	103	103	NUM
hassl-4380	463	11	-	-	SYM
hassl-4380	463	12	113	113	NUM
hassl-4380	463	13	.	.	PUNCT
hassl-4380	464	1	udayanthi	udayanthi	PROPN
hassl-4380	464	2	,	,	PUNCT
hassl-4380	464	3	n.	n.	PROPN
hassl-4380	464	4	o.	o.	PROPN
hassl-4380	464	5	,	,	PUNCT
hassl-4380	464	6	herawati	herawati	PROPN
hassl-4380	464	7	,	,	PUNCT
hassl-4380	464	8	n.	n.	PROPN
hassl-4380	464	9	t.	t.	PROPN
hassl-4380	464	10	,	,	PUNCT
hassl-4380	464	11	&	&	CCONJ
hassl-4380	464	12	julianto	julianto	PROPN
hassl-4380	464	13	,	,	PUNCT
hassl-4380	464	14	i.	i.	PROPN
hassl-4380	464	15	p.	p.	PROPN
hassl-4380	464	16	(	(	PUNCT
hassl-4380	464	17	2018	2018	NUM
hassl-4380	464	18	)	)	PUNCT
hassl-4380	464	19	.	.	PUNCT
hassl-4380	465	1	the	the	DET
hassl-4380	465	2	influence	influence	NOUN
hassl-4380	465	3	of	of	ADP
hassl-4380	465	4	financial	financial	ADJ
hassl-4380	465	5	literacy	literacy	NOUN
hassl-4380	465	6	,	,	PUNCT
hassl-4380	465	7	learning	learn	VERB
hassl-4380	465	8	quality	quality	NOUN
hassl-4380	465	9	and	and	CCONJ
hassl-4380	465	10	self	self	NOUN
hassl-4380	465	11	-	-	PUNCT
hassl-4380	465	12	control	control	NOUN
hassl-4380	465	13	on	on	ADP
hassl-4380	465	14	consumptive	consumptive	ADJ
hassl-4380	465	15	behavior	behavior	NOUN
hassl-4380	465	16	(	(	PUNCT
hassl-4380	465	17	empirical	empirical	ADJ
hassl-4380	465	18	study	study	NOUN
hassl-4380	465	19	on	on	ADP
hassl-4380	465	20	undergraduate	undergraduate	ADJ
hassl-4380	465	21	accounting	accounting	NOUN
hassl-4380	465	22	students	student	NOUN
hassl-4380	465	23	of	of	ADP
hassl-4380	465	24	ganesha	ganesha	PROPN
hassl-4380	465	25	university	university	PROPN
hassl-4380	465	26	of	of	ADP
hassl-4380	465	27	education	education	NOUN
hassl-4380	465	28	)	)	PUNCT
hassl-4380	465	29	.	.	PUNCT
hassl-4380	466	1	jimat	jimat	NOUN
hassl-4380	466	2	(	(	PUNCT
hassl-4380	466	3	jurnal	jurnal	ADJ
hassl-4380	466	4	ilmiah	ilmiah	PROPN
hassl-4380	466	5	mahasiswa	mahasiswa	PROPN
hassl-4380	466	6	akuntansi	akuntansi	PROPN
hassl-4380	466	7	)	)	PUNCT
hassl-4380	466	8	,	,	PUNCT
hassl-4380	466	9	9(2	9(2	NUM
hassl-4380	466	10	)	)	PUNCT
hassl-4380	466	11	,	,	PUNCT
hassl-4380	466	12	195–208	195–208	NUM
hassl-4380	466	13	.	.	PUNCT
hassl-4380	467	1	widyastuti	widyastuti	NOUN
hassl-4380	467	2	,	,	PUNCT
hassl-4380	467	3	u.	u.	PROPN
hassl-4380	467	4	,	,	PUNCT
hassl-4380	467	5	suhud	suhud	PROPN
hassl-4380	467	6	,	,	PUNCT
hassl-4380	467	7	u.	u.	PROPN
hassl-4380	467	8	,	,	PUNCT
hassl-4380	467	9	&	&	CCONJ
hassl-4380	467	10	sumiati	sumiati	PROPN
hassl-4380	467	11	,	,	PUNCT
hassl-4380	467	12	a.	a.	NOUN
hassl-4380	467	13	(	(	PUNCT
hassl-4380	467	14	2016	2016	NUM
hassl-4380	467	15	)	)	PUNCT
hassl-4380	467	16	.	.	PUNCT
hassl-4380	468	1	the	the	DET
hassl-4380	468	2	impact	impact	NOUN
hassl-4380	468	3	of	of	ADP
hassl-4380	468	4	financial	financial	ADJ
hassl-4380	468	5	literacy	literacy	NOUN
hassl-4380	468	6	on	on	ADP
hassl-4380	468	7	student	student	NOUN
hassl-4380	468	8	teachers	teacher	NOUN
hassl-4380	468	9	’	'	PUNCT
hassl-4380	468	10	saving	save	VERB
hassl-4380	468	11	intention	intention	NOUN
hassl-4380	468	12	and	and	CCONJ
hassl-4380	468	13	saving	save	VERB
hassl-4380	468	14	behaviour	behaviour	NOUN
hassl-4380	468	15	.	.	PUNCT
hassl-4380	469	1	mediterranean	mediterranean	PROPN
hassl-4380	469	2	journal	journal	PROPN
hassl-4380	469	3	of	of	ADP
hassl-4380	469	4	social	social	ADJ
hassl-4380	469	5	sciences	science	NOUN
hassl-4380	469	6	,	,	PUNCT
hassl-4380	469	7	7(6	7(6	NUM
hassl-4380	469	8	)	)	PUNCT
hassl-4380	469	9	,	,	PUNCT
hassl-4380	469	10	41	41	NUM
hassl-4380	469	11	-	-	SYM
hassl-4380	469	12	48	48	NUM
hassl-4380	469	13	.	.	PUNCT
hassl-4380	470	1	https://doi.org/10.5901/mjss.2016.v7n6p41	https://doi.org/10.5901/mjss.2016.v7n6p41	PROPN
hassl-4380	470	2	williams	williams	PROPN
hassl-4380	470	3	,	,	PUNCT
hassl-4380	470	4	a.	a.	PROPN
hassl-4380	470	5	j.	j.	PROPN
hassl-4380	470	6	,	,	PUNCT
hassl-4380	470	7	&	&	CCONJ
hassl-4380	470	8	oumlil	oumlil	PROPN
hassl-4380	470	9	,	,	PUNCT
hassl-4380	470	10	b.	b.	PROPN
hassl-4380	470	11	(	(	PUNCT
hassl-4380	470	12	2015	2015	NUM
hassl-4380	470	13	)	)	PUNCT
hassl-4380	470	14	.	.	PUNCT
hassl-4380	471	1	college	college	NOUN
hassl-4380	471	2	student	student	NOUN
hassl-4380	471	3	financial	financial	ADJ
hassl-4380	471	4	capability	capability	NOUN
hassl-4380	471	5	:	:	PUNCT
hassl-4380	471	6	a	a	DET
hassl-4380	471	7	framework	framework	NOUN
hassl-4380	471	8	for	for	ADP
hassl-4380	471	9	public	public	ADJ
hassl-4380	471	10	policy	policy	NOUN
hassl-4380	471	11	,	,	PUNCT
hassl-4380	471	12	research	research	NOUN
hassl-4380	471	13	and	and	CCONJ
hassl-4380	471	14	managerial	managerial	ADJ
hassl-4380	471	15	action	action	NOUN
hassl-4380	471	16	for	for	ADP
hassl-4380	471	17	financial	financial	ADJ
hassl-4380	471	18	exclusion	exclusion	NOUN
hassl-4380	471	19	prevention	prevention	NOUN
hassl-4380	471	20	.	.	PUNCT
hassl-4380	472	1	international	international	ADJ
hassl-4380	472	2	journal	journal	PROPN
hassl-4380	472	3	of	of	ADP
hassl-4380	472	4	bank	bank	PROPN
hassl-4380	472	5	marketing	marketing	NOUN
hassl-4380	472	6	,	,	PUNCT
hassl-4380	472	7	33(5	33(5	NUM
hassl-4380	472	8	)	)	PUNCT
hassl-4380	472	9	,	,	PUNCT
hassl-4380	472	10	637	637	NUM
hassl-4380	472	11	-	-	SYM
hassl-4380	472	12	653	653	NUM
hassl-4380	472	13	.	.	PUNCT
hassl-4380	473	1	appendix	appendix	VERB
hassl-4380	473	2	appendix	appendix	ADJ
hassl-4380	473	3	1	1	NUM
hassl-4380	473	4	.	.	PUNCT
hassl-4380	473	5	list	list	NOUN
hassl-4380	473	6	of	of	ADP
hassl-4380	473	7	universities	university	NOUN
hassl-4380	473	8	in	in	ADP
hassl-4380	473	9	the	the	DET
hassl-4380	473	10	research	research	NOUN
hassl-4380	473	11	sample	sample	NOUN
hassl-4380	473	12	.	.	PUNCT
hassl-4380	474	1	no	no	INTJ
hassl-4380	474	2	.	.	PUNCT
hassl-4380	475	1	university	university	NOUN
hassl-4380	475	2	name	name	NOUN
hassl-4380	475	3	1	1	NUM
hassl-4380	475	4	vietnam	vietnam	PROPN
hassl-4380	475	5	national	national	PROPN
hassl-4380	475	6	university	university	PROPN
hassl-4380	475	7	,	,	PUNCT
hassl-4380	475	8	hanoi	hanoi	NOUN
hassl-4380	475	9	2	2	NUM
hassl-4380	475	10	hanoi	hanoi	PROPN
hassl-4380	475	11	university	university	PROPN
hassl-4380	475	12	of	of	ADP
hassl-4380	475	13	science	science	NOUN
hassl-4380	475	14	and	and	CCONJ
hassl-4380	475	15	technology	technology	NOUN
hassl-4380	475	16	3	3	NUM
hassl-4380	475	17	national	national	ADJ
hassl-4380	475	18	economics	economic	NOUN
hassl-4380	475	19	university	university	PROPN
hassl-4380	475	20	4	4	NUM
hassl-4380	475	21	foreign	foreign	ADJ
hassl-4380	475	22	trade	trade	NOUN
hassl-4380	475	23	university	university	NOUN
hassl-4380	475	24	5	5	NUM
hassl-4380	475	25	hanoi	hanoi	PROPN
hassl-4380	475	26	medical	medical	PROPN
hassl-4380	475	27	university	university	PROPN
hassl-4380	475	28	6	6	NUM
hassl-4380	475	29	hanoi	hanoi	PROPN
hassl-4380	475	30	national	national	PROPN
hassl-4380	475	31	university	university	PROPN
hassl-4380	475	32	of	of	ADP
hassl-4380	475	33	education	education	PROPN
hassl-4380	475	34	7	7	NUM
hassl-4380	475	35	university	university	NOUN
hassl-4380	475	36	of	of	ADP
hassl-4380	475	37	languages	language	NOUN
hassl-4380	475	38	and	and	CCONJ
hassl-4380	475	39	international	international	ADJ
hassl-4380	475	40	studies	study	NOUN
hassl-4380	475	41	8	8	NUM
hassl-4380	475	42	university	university	NOUN
hassl-4380	475	43	of	of	ADP
hassl-4380	475	44	social	social	ADJ
hassl-4380	475	45	sciences	science	NOUN
hassl-4380	475	46	and	and	CCONJ
hassl-4380	475	47	humanities	humanity	NOUN
hassl-4380	475	48	9	9	NUM
hassl-4380	475	49	university	university	NOUN
hassl-4380	475	50	of	of	ADP
hassl-4380	475	51	science	science	PROPN
hassl-4380	475	52	10	10	NUM
hassl-4380	475	53	university	university	NOUN
hassl-4380	475	54	of	of	ADP
hassl-4380	475	55	engineering	engineering	NOUN
hassl-4380	475	56	and	and	CCONJ
hassl-4380	475	57	technology	technology	NOUN
hassl-4380	475	58	11	11	NUM
hassl-4380	475	59	hanoi	hanoi	PROPN
hassl-4380	475	60	university	university	PROPN
hassl-4380	475	61	12	12	NUM
hassl-4380	475	62	national	national	PROPN
hassl-4380	475	63	university	university	NOUN
hassl-4380	475	64	of	of	ADP
hassl-4380	475	65	civil	civil	ADJ
hassl-4380	475	66	engineering	engineering	NOUN
hassl-4380	475	67	13	13	NUM
hassl-4380	475	68	electric	electric	PROPN
hassl-4380	475	69	power	power	PROPN
hassl-4380	475	70	university	university	PROPN
hassl-4380	475	71	14	14	NUM
hassl-4380	475	72	thuyloi	thuyloi	PROPN
hassl-4380	475	73	university	university	NOUN
hassl-4380	475	74	15	15	NUM
hassl-4380	475	75	hanoi	hanoi	PROPN
hassl-4380	475	76	university	university	PROPN
hassl-4380	475	77	of	of	ADP
hassl-4380	475	78	mining	mining	NOUN
hassl-4380	475	79	and	and	CCONJ
hassl-4380	475	80	geology	geology	NOUN
hassl-4380	475	81	16	16	NUM
hassl-4380	475	82	hanoi	hanoi	PROPN
hassl-4380	475	83	university	university	PROPN
hassl-4380	475	84	of	of	ADP
hassl-4380	475	85	pharmacy	pharmacy	NOUN
hassl-4380	475	86	17	17	NUM
hassl-4380	475	87	hanoi	hanoi	PROPN
hassl-4380	475	88	university	university	PROPN
hassl-4380	475	89	of	of	ADP
hassl-4380	475	90	public	public	ADJ
hassl-4380	475	91	health	health	NOUN
hassl-4380	475	92	18	18	NUM
hassl-4380	475	93	hanoi	hanoi	PROPN
hassl-4380	475	94	university	university	PROPN
hassl-4380	475	95	of	of	ADP
hassl-4380	475	96	industry	industry	NOUN
hassl-4380	475	97	19	19	NUM
hassl-4380	475	98	hanoi	hanoi	PROPN
hassl-4380	475	99	architectural	architectural	PROPN
hassl-4380	475	100	university	university	PROPN
hassl-4380	475	101	20	20	NUM
hassl-4380	475	102	hanoi	hanoi	PROPN
hassl-4380	475	103	university	university	PROPN
hassl-4380	475	104	of	of	ADP
hassl-4380	475	105	culture	culture	NOUN
hassl-4380	475	106	21	21	NUM
hassl-4380	475	107	hanoi	hanoi	PROPN
hassl-4380	475	108	university	university	PROPN
hassl-4380	475	109	of	of	ADP
hassl-4380	475	110	business	business	NOUN
hassl-4380	475	111	and	and	CCONJ
hassl-4380	475	112	technology	technology	NOUN
hassl-4380	475	113	22	22	NUM
hassl-4380	475	114	university	university	NOUN
hassl-4380	475	115	of	of	ADP
hassl-4380	475	116	transport	transport	NOUN
hassl-4380	475	117	and	and	CCONJ
hassl-4380	475	118	communications	communication	NOUN
hassl-4380	475	119	https://doi.org/10.1136/bmj.f6304	https://doi.org/10.1136/bmj.f6304	X
hassl-4380	476	1	https://doi.org/10.1016/j.joep.2016.04.005	https://doi.org/10.1016/j.joep.2016.04.005	NUM
hassl-4380	476	2	https://doi.org/10.5539/jms.v4n3p125	https://doi.org/10.5539/jms.v4n3p125	NOUN
hassl-4380	476	3	https://doi.org/10.5901/mjss.2016.v7n6p41	https://doi.org/10.5901/mjss.2016.v7n6p41	PROPN
hassl-4380	476	4	humanities	humanity	NOUN
hassl-4380	476	5	and	and	CCONJ
hassl-4380	476	6	social	social	ADJ
hassl-4380	476	7	sciences	science	NOUN
hassl-4380	476	8	letters	letter	NOUN
hassl-4380	476	9	,	,	PUNCT
hassl-4380	476	10	2025	2025	NUM
hassl-4380	476	11	,	,	PUNCT
hassl-4380	476	12	13(3	13(3	NUM
hassl-4380	476	13	):	):	PUNCT
hassl-4380	476	14	1037	1037	NUM
hassl-4380	476	15	-	-	SYM
hassl-4380	476	16	1052	1052	NUM
hassl-4380	476	17	1052	1052	NUM
hassl-4380	476	18	©	©	PROPN
hassl-4380	476	19	2025	2025	NUM
hassl-4380	476	20	conscientia	conscientia	PROPN
hassl-4380	476	21	beam	beam	PROPN
hassl-4380	476	22	.	.	PUNCT
hassl-4380	477	1	all	all	DET
hassl-4380	477	2	rights	right	NOUN
hassl-4380	477	3	reserved	reserve	VERB
hassl-4380	477	4	.	.	PUNCT
hassl-4380	478	1	no	no	INTJ
hassl-4380	478	2	.	.	PUNCT
hassl-4380	479	1	university	university	NOUN
hassl-4380	479	2	name	name	NOUN
hassl-4380	479	3	23	23	NUM
hassl-4380	479	4	university	university	NOUN
hassl-4380	479	5	of	of	ADP
hassl-4380	479	6	natural	natural	ADJ
hassl-4380	479	7	resources	resource	NOUN
hassl-4380	479	8	and	and	CCONJ
hassl-4380	479	9	environment	environment	NOUN
hassl-4380	479	10	24	24	NUM
hassl-4380	479	11	vietnam	vietnam	PROPN
hassl-4380	479	12	national	national	PROPN
hassl-4380	479	13	university	university	PROPN
hassl-4380	479	14	of	of	ADP
hassl-4380	479	15	agriculture	agriculture	PROPN
hassl-4380	479	16	25	25	NUM
hassl-4380	479	17	hanoi	hanoi	PROPN
hassl-4380	479	18	law	law	NOUN
hassl-4380	479	19	university	university	PROPN
hassl-4380	479	20	26	26	NUM
hassl-4380	479	21	university	university	NOUN
hassl-4380	479	22	of	of	ADP
hassl-4380	479	23	labour	labour	PROPN
hassl-4380	479	24	and	and	CCONJ
hassl-4380	479	25	social	social	ADJ
hassl-4380	479	26	affairs	affair	NOUN
hassl-4380	479	27	27	27	NUM
hassl-4380	479	28	university	university	NOUN
hassl-4380	479	29	of	of	ADP
hassl-4380	479	30	economics	economic	NOUN
hassl-4380	479	31	and	and	CCONJ
hassl-4380	479	32	technology	technology	NOUN
hassl-4380	479	33	for	for	ADP
hassl-4380	479	34	industries	industry	NOUN
hassl-4380	479	35	28	28	NUM
hassl-4380	479	36	hanoi	hanoi	PROPN
hassl-4380	479	37	open	open	PROPN
hassl-4380	479	38	university	university	PROPN
hassl-4380	479	39	29	29	NUM
hassl-4380	479	40	university	university	NOUN
hassl-4380	479	41	of	of	ADP
hassl-4380	479	42	finance	finance	NOUN
hassl-4380	479	43	and	and	CCONJ
hassl-4380	479	44	marketing	market	VERB
hassl-4380	479	45	30	30	NUM
hassl-4380	479	46	university	university	NOUN
hassl-4380	479	47	of	of	ADP
hassl-4380	479	48	fine	fine	ADJ
hassl-4380	479	49	arts	art	NOUN
hassl-4380	479	50	views	view	NOUN
hassl-4380	479	51	and	and	CCONJ
hassl-4380	479	52	opinions	opinion	NOUN
hassl-4380	479	53	expressed	express	VERB
hassl-4380	479	54	in	in	ADP
hassl-4380	479	55	this	this	DET
hassl-4380	479	56	article	article	NOUN
hassl-4380	479	57	are	be	AUX
hassl-4380	479	58	the	the	DET
hassl-4380	479	59	views	view	NOUN
hassl-4380	479	60	and	and	CCONJ
hassl-4380	479	61	opinions	opinion	NOUN
hassl-4380	479	62	of	of	ADP
hassl-4380	479	63	the	the	DET
hassl-4380	479	64	author(s	author(s	NOUN
hassl-4380	479	65	)	)	PUNCT
hassl-4380	479	66	,	,	PUNCT
hassl-4380	479	67	humanities	humanity	NOUN
hassl-4380	479	68	and	and	CCONJ
hassl-4380	479	69	social	social	ADJ
hassl-4380	479	70	sciences	science	NOUN
hassl-4380	479	71	letters	letter	NOUN
hassl-4380	479	72	shall	shall	AUX
hassl-4380	479	73	not	not	PART
hassl-4380	479	74	be	be	AUX
hassl-4380	479	75	responsible	responsible	ADJ
hassl-4380	479	76	or	or	CCONJ
hassl-4380	479	77	answerable	answerable	ADJ
hassl-4380	479	78	for	for	ADP
hassl-4380	479	79	any	any	DET
hassl-4380	479	80	loss	loss	NOUN
hassl-4380	479	81	,	,	PUNCT
hassl-4380	479	82	damage	damage	NOUN
hassl-4380	479	83	or	or	CCONJ
hassl-4380	479	84	liability	liability	NOUN
hassl-4380	479	85	etc	etc	X
hassl-4380	479	86	.	.	X
hassl-4380	480	1	caused	cause	VERB
hassl-4380	480	2	in	in	ADP
hassl-4380	480	3	relation	relation	NOUN
hassl-4380	480	4	to	to	PART
hassl-4380	480	5	/	/	PUNCT
hassl-4380	480	6	arising	arise	VERB
hassl-4380	480	7	out	out	ADP
hassl-4380	480	8	of	of	ADP
hassl-4380	480	9	the	the	DET
hassl-4380	480	10	use	use	NOUN
hassl-4380	480	11	of	of	ADP
hassl-4380	480	12	the	the	DET
hassl-4380	480	13	content	content	NOUN
hassl-4380	480	14	.	.	PUNCT