A Study of Factors That Leads To Financial and Non-Financial Stress and Their Impacts among University Level Students during Virtual Learning in Pandemic Covid-19.

Abstract

This study has focused mainly on identifying the factors responsible for causing stress among university students about virtual Jeaming in pandemic covid-19 issue in Pakistan. This study has considered limited resources, unemployment/underemployment, university fees, low productivity, and high workload as independent variables. Meanwhile, financial stress and non-financial stress are considered as the dependent variables. However, this study has finalized university students of Pakistan as the targeted audience for data collection. Research instrument used within this study for the collection of data from respondents is the structured questionnaire adopted from previous research studies. Statistical tests (con·elation and regression analysis) are used primarily to identify the relationship between variables of this study. With the help of SPSS software, results drawn through statistical tests (con·elation and regression analysis) have shown that there exists a significant relationship between limited resources, unemployment/underemployment, university fees, low productivity, and high workload (independent variables) and financial & non-financial stress (dependent variables) in Pakistan. Conclusively, findings of this study have proved the significant positive effect of factors (limited resources, unemployment/underemployment, university fees, low productivity, and high workload) on financial & non-financial stress in Pakistan.