International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

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Volume 8 Issue 4
July-August 2026

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Impact of Self Attribution Bias on Investment Decision Making among the Teachers in Affiliated and Autonomous Degree Colleges in Bengaluru – A Comparative Study

Author(s) Ms. Pallavi G S, Dr. Rajeshwari G M
Country India
Abstract This study examines the role of self-attribution bias in shaping the investment behaviour of teachers in affiliated and autonomous degree colleges in Bengaluru, Karnataka. Primary data were collected through a self-administered structured questionnaire from 300 teachers — 150 from affiliated colleges and 150 from autonomous colleges. Independent samples t-tests and Pearson's correlation analysis were employed to examine the relationship between self-attribution bias, investment aggressiveness, and risk-taking behaviour. The results reveal the presence of self-attribution bias across both groups; however, it is significantly higher among teachers in autonomous colleges (M = 3.99 vs. M = 3.78, p = 0.035). Teachers in autonomous colleges also exhibit greater investment aggressiveness and risk appetite (M = 4.02 vs. M = 3.83, p < 0.001). Correlation analysis confirms a moderate positive association between self-attribution bias and risk-taking tendencies (r = 0.46, p < 0.01), indicating a tendency toward overconfidence in financial decision-making. The findings highlight the influence of institutional context on financial behaviour and underscore the need for targeted financial literacy and behavioural bias education among educators — a group well positioned to promote financial awareness and prudent investment practices in society.
Keywords Self-attribution bias; Investment behavior; Risk-taking; Behavioral finance; Teachers; Autonomous colleges; Affiliated colleges; Financial literacy
Field Business Administration
Published In Volume 8, Issue 4, July-August 2026
Published On 2026-07-14
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E-ISSN 2582-2160
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CrossRef DOI prefix of IJFMR is 10.36948/ijfmr

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