Verifica di un modello di previsione del comportamento di risparmio in studenti e non studenti

Aim of the present study is to test the validity of a prediction model for saving behavior based on the Model of Goal-directed Behaviour (MGB; Perugini e Bagozzi, 2001). A second aim is to test the invariance of the prediction processes in university students and non students. The research involved 241 students and 371 adults and has been carried out in two waves. The data have been analyzed by means of structural equation models. In each group, the hypothesized model shows a good fit to data and most of the predicted relations between constructs are significant and in the expected direction. The model explains 23% of the behavior variance for the students and 22% for the adults. The portion of variance of intention explained by antecedents variables is 39% for the adults and 59% for the students. The model invariance between the two groups was tested by means multi-sample procedure. The chi-square difference tests show that we cannot conclude that the prediction processes are statistically different between the two groups.