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Analysis of data is necessary step in research process as it aims to find the meaning of the raw
data obtained. It is very necessary in research to analyze and interpret the collected data
scientifically. Result and their analysis may be called the heart of research. According to
kerlinger, analysis means categorizing, ordering, manipulating and summarizing of the data to
intelligible form so that the result of the research problem can be studied and tested.
Appropriate analysis and interpretation is necessary to make the study worthwhile.
Interpretation needs critical examination of the result, which means the study of the tabulated
material to determine the facts.
The result and discussion give shape and form to the study. It involves breaking down of
existing factors in simple and putting the parts together in new arrangement for the purpose of
interpretation. Appropriate analysis and interpretation is necessary to make selection
administration and scoring worthwhile.
Interpretation needs critical examination of result of the analysis of data which means the study
of the tabulated material in order to determine facts of meaning. The process of analysis and
synthesis of the collected data is the foundation stone of specific method.
Background
percentages
factors
Gender
male
58
38.66%
female
92
61.34%
Total
150
100%
Up to 20 years
89
59.33%
Above 20 years
69
40.67%
Total
150
100%
Science
81
54%
Social science
69
46%
Total
150
100%
Under graduate
89
59.33%
Post graduate
61
40.67%
Total
150
100%
Amount of
Up to 2000
128
85.33%
pocket money
22
14.66%
Total
150
100%
Bheemrao Ambedkar
75
50%
75
50%
150
100%
Age
Faculty
Education
universities
universities
Dayalbagh educational
institute
Total
GENDER Statistical
Values
Male
Female
n=
Assessment
Deviation
Total
58
Mean
S.D
34.83
7.62
41.24
8.05
3.60
8.39
92
Mean S.D t
0.05
0.01
31.68
4.88
37.97
7.92 2.351
3.29 4.789
8.13 2.372
p
<0.05
<0.01
<0.05
chambers of commerce and industry of India) report (2013), based on a survey conducted on
spending patterns among Indian youth.
Table showing Mean, S.D. and t-values of age of students regarding Expenditure Pattern.
Expenditu
re Pattern
AGE
Statistical
Values
More
Than 20
Mean S.D
61
Upto 20
Yrs.
n=
89
Assessment
Deviation
Total
34.17
5.69
40.24
7.58
2.19
6.75
Mean S.D
0.05
31.05
6.31
37.77
8.51
1.28
8.62
t
0.01
2.354
2.010
1.960
p
<0.05
<0.05
<0.05
their friends or peer group they are less aware of less costly options, they usually engage in
panic buying instead of rational spending after due comparison and survey and they may not be
mature enough usually to take rational and correct financial decisions Atri (2012).
Deviation from the standard expenditure pattern is found higher among the subjects of higher
age group as compared to lower age group, it may be due to the reason that as the age grows
the individualistic and personal perception to take financial decisions also get engraved in the
minds of students which lead to take independent decisions without looking to the advice of
elders, they feel that they are growing up and are capable to take their own decisions which
may vary from the standard expenditure pattern, there are also chances that the students of
higher age develop their own source of earning by that time through which they start enjoying
the financial freedom that is reflected in their expenditure pattern.
Table showing Mean, S.D. and t-values of two faculties regarding Expenditure Pattern.
Expendi
ture
Pattern
Faculty
Science
Statistic
al
Values
Social
Science
Mean S.D
n=
81
Assessment
Deviation
Total
69
34.17
6.33
40.20
Mean S.D
0.05
7.96 31.41
2.87 5.48
7.30 38.10
8.04
1.35
5.35
t
0.01
2.111
2.270
1.976
<0.05
<0.05
<0.05
any financial aspect they are deeply engage to study different practical aspects of cause and
effect relationship whereas the students of social sciences comprised of MBA and BBM study
lots of economics, accounting and finance subjects, they are also taught to establish and run a
successful business therefore they are found to be more economical and thrifty in their
expenditure pattern and its all components.
Table showing Mean, S.D. and t-values of education level of students regarding
Expenditure Pattern.
Expendit
ure
Pattern
Educatio
n level
Up to
Graduate
n=
89
Assessment
Deviation
Total
Statistica
l Values
Above
Graduate
Mean S.D
61
Mean
S.D
0.05
34.25
5.69
39.97
30.93
6.31
38.16
7.58
1.65
5.03
8.47
2.04
6.03
T
0.01
2.506
2.071
1.986
p
<0.05
<0.05
<0.05
Deviation from the standard expenditure pattern is found higher among the subjects of above
graduate because these students are taking financially secured decision and they are able to
spend wisely their money. Therefore above graduate students have higher score in comparison
to up to graduate.
The significantly higher score of assessment of expenditure pattern may be due to the reason
that first group of students spend higher without any suggestion they purchase what they want
and also what is the demand of their friends and what the trends going on present time and
second group of students spend less in comparison to the first group. First group to want to
experience each and everything in their college life and second group have already been taken
all the experiences and there is big point which is age differences and also numbers of friends
is less .thats why they have shown higher statistically score than second group.
Table showing Mean, S.D. and t-values of amount of monthly pocket money of students
regarding Expenditure Pattern.
Awareness Amount
Statistical
Of
Values
monthly
Pocket
Money
Upto
More
Rs.2000/- Than
PM
Rs.2000/Mean
S.D
n=
128
22
Assessment
Deviation
Total
31.73
5.72
37.88
7.55
3.08
7.74
Mean
S.D
0.05
39.68
7.23
47.14
4.526
2.188
5.206
<0.01
<0.05
<0.01
0.01
7.95
2.34
7.50
Above table indicate that statistical value of two groups up to 2000 and above 2000 .128
students get pocket money up to 2000 and 22 students get more than 2000the score of mean
and t-value of assessment, deviation and total expenditure pattern show significantly higher
value with31.73, 5.72, and 37.88 mean respectively they are significant at t-values 4.526,
2.188, 5.206 respectively. MEAN value of second group is higher score in comparison to first
group.
Students getting higher amount of pocket money have shown a tendency to choose higher
expenditure options as compared to students getting lower amount of pocket money it may be
due to more amount of money available to them on their disposal so they rarely think to
discover the cheaper or less coasty options while selecting their options for expenditure. The
higher paid students also make their expenditure pattern according to their liking and interest
rather to follow the standard norm prescribed by elders or friends. They also follow or show
interest in overall higher expenditure pattern as compared to the students getting lower amount
of pocket money, it can be said that they show lower interest to save money and select
economical means to spend money.
Table showing Mean, S.D. and t-values of universities of B.R. Ambedkar and Dayalbagh
educational institute of students regarding expenditure pattern.
Expenditu
re pattern
DAYALB
AGH
UNIVERS
ITIES
B.R.
AMBEDK
AR
Mea
n
n=
10
75
75
Statistical
Values
S.D
Mean
0.05
S.D
0.01
Assessment
Deviation
Total
33.16 8.70
6.43 1.67
39.35 8.77
34.26
5.74
41.16
7.45
2.44
7.98
0.830 >0.05
2.006 <0.05
1.325 >0.05
Table showing Mean, S.D. and t-values of Male and Female students
regarding factor expenditure pattern.
Gender
11
Male
Female
Statistical
Values
Expenditure pattern
n=
58
Mean
S.D
92
Mean
S.D
0.05
13.71
2.47
14.46
0.01
2.52
1.787
>0.05
12
Table showing Mean, S.D. and t-values of age group of students regarding factors
affecting expenditure pattern.
More Than
Statistical
Yrs.
Expenditure pattern
20
Values
S.D
n=
61
AGE
Up to 20
89
Mean
Mean
S.D
0.05
14.42
2.46
13.80
0.01
2.59
1.467
>0.05
personal care but up to 20 years students affect quickly present trend and without any
instruction, suggestion and recommendation applying on them and above 20 years students
very less affected by present trends in comparison to up 20 years because they become
mentally matured where to spend and how to spend and what they get from thing after spend.
Therefore there is insignificant statistically value of both group.
Table showing Mean, S.D. and t-values of two faculties regarding factors affecting
expenditure pattern.
Faculty
Expenditur
e pattern
n=
Social
Statistical
Science
Values
Mean
S.D
Mean
81
69
Science
13.95
2.28
S.D
0.05
0.01
14.42
2.77
1.138
>0.05
The mean value of science faculty is 13.95 and means value of social science
faculty is 14.42.
Mean value of both faculty is similar there is very less differences. Both faculties had shown
insignificant value and t-value is 1.1385. There is also same factors which are affecting them
14
like- education process, entertainment, movies food etc. and numbers of students of science
faculty is more in comparison to social science faculty. Same factors effects on students of
Social science faculty and science faculty and they equally spend on each component.
Table
showing
Mean, S.D.
and tvalues of
education
level of
students
regarding
factors
affecting
Expenditur
e Pattern.
Educationa
Up to
Above
Statistical
l Level
Graduate
Expenditure pattern
Graduate
Values
Mean
S.D
Mean
n=
61
0.05
89
15
13.97
2.59
14.46
S.D
0.01
2.41
1.178
>0.05
money
l Values
More
ure
pattern
Statistica
Upto
Than
Rs.2000/-
Rs.2000/-
PM
Mean
S.D
n=
128
Mean
22
S.D
0.05
p
0.01
Factors Affecting
Expenditure
Pattern
16
14.13
2.50
14.36
2.66
0.396
>0.05
educatio
nal
universit
ies
17
B.R.
Ambedk
ar
Statistica
l Values
Mea
n
n=
75
75
S.D
Mea
n
0.05
13.92
2.28 15.48
S.D
0.01
2.67
3.86
1
<0.01
18
regularity in classes and they are free from regular examination so therefore students of Agra
college very much affected by the factors which promotes the expenditure pattern.
19
Table showing Mean, S.D. and t-values of Male and Female students regarding type of
financing.
Gender
Male
Female
Financing of Expenditure
n=
58
Type of Financing
Statistical
Values
Mean S.D
92
Mea
n
S.D
0.05
6.41
2.16
6.28
0.01
2.13
0.365
>0.05
20
have higher instinct to opt for higher income options as compared to females but they are not
significantly different.
Table showing Mean, S.D. and t-values of age of students regarding type of financing.
AGE
Up to 20
More
Statistica
Yrs.
Than 20 l Values
Financing of Expenditure Mean S.D
Mean
n=
89
Type of Financing
61
S.D
0.05
6.07
1.90
6.72
0.01
2.08
1.992
<0.05
The table shows mean scores of lower and higher aged groups of respondents regarding type of
financing of expenditure pattern, respondents aged more than 20 years have preferred
significantly higher value source of income as compared to lower aged subjects with mean
values 6.7 and 6.72 respectively, the mean value of higher age respondents is significant at
1.992 t-value.
The students of higher age may have higher level of expenses to incur so they have elevated
targets to finance their expenditure patter. They are the subjects who are supposed to be
21
financially independent as soon as possible so they may have responsibility to achieve bigger
financial targets as compared to the students of lower age group.
Table showing Mean, S.D. and t-values of two faculties regarding type of financing.
Faculty
Science
Social
Statistica
Science
l Values
Financing of Expenditure Mean S.D
Mean S.D
n=
81
69
Type of Financing
0.05
6.02
1.85
6.70
0.01
2.29
1.98
4
<0.05
22
whereas the students of Science are more studious and are education oriented and not business
oriented. This may be the reason for the respondents from Social Science have shown the
advanced preference towards higher financing sources as compared to their counterparts.
Table showing Mean, S.D. and t-values of education level of students regarding type of
financing.
Education
Up to
Above
al Level
Graduate Graduate
Financing of Expenditure Mean
n=
89
Type of Financing
Statistical
Values
S.D
61
Mean
S.D
0.05
5.72
1.62
7.23
0.01
2.47
4.523 <0.01
23
The students with higher education have shown the similar trend as of the subjects of higher
age group, the students at upper education level have the preference to select higher value
source of income as they have higher level of expenditure pattern to follow, they are of more
age and education as compared to their counterparts so they must be close to their settlement
point in life, they are supposed to soon bailout from their education life and become
financially independent in near future therefore they must have higher preference to have
advanced financial sources to tap.
Table showing Mean, S.D. and t-values of amount of monthly pocket money of students
regarding type of financing.
Monthly
Up to
Above
Rs.2000/-
Rs.2000/-
Money
PM
PM
Financing of Expenditure Mean
n=
128
Type of Financing
Statistical
Values
S.D
22
6.14
Mean
S.D
0.05
2.12
7.45
0.01
1.90
24
2.723 <0.01
The table shows mean scores of respondents getting lower and higher amount of monthly
pocket money of financing of expenditure pattern, respondents getting monthly pocket money
above Rs.2000/- have preferred significantly higher value source of finance for their
expenditure pattern as compared to respondents getting monthly pocket money up to Rs.2000/with mean values 7.45 and 6.14 respectively, the mean value of respondents getting higher
pocket money is significant at 2.723 t-value.
It may be due to the reason that second group have more money at their disposal to maintain
their expenditure pattern so they have adopted it as their way of life, so they are more
interested to choose the source of financing with expected higher inflow of money.
Table showing Mean, S.D. and t-values of universities of B.R. Ambedkar and Dayalbagh
education universities of students are regarding type of financing.
Dayalba
gh
university
educatio
n
universit
B.R
Amedka
r, Agra
Statistica
l Values
ies
Financing of Expenditure
n=
75
Type of Financing
25
Mea
n
S.D
75
Mean
S.D
0.05
6.19
1.49
6.90
0.01
2.79
1.965
<0.05
26