Department of Finance, Banking and Insurance

Sabina Pandey, Ph.D., CFP®

Dr. Sabina Pandey is an Assistant Professor in the Department of Finance, Banking & Insurance at Appalachian State University. She teaches Introduction to Finance (FIN 3680), Principles of Risk Management and Insurance (FIN 3100), and Personal Finance (FIN 2860), helping students develop a strong foundation in financial decision-making, risk management, and personal financial planning.

Dr. Pandey earned her Ph.D. from Texas Tech University, an M.S. in Finance from the University of Nevada, Reno and a Bachelor of Business Administration from Nepal. Her research focuses on household finance, financial behavior, financial planning, insurance, and consumer financial well-being. Her scholarship examines topics including financial literacy, debt management, retirement planning, investor behavior, financial self-efficacy, insurance regulation, and the influence of technology and social media on financial decision-making.

Education

• Ph.D., Texas Tech University

• M.S. Finance, University of Nevada, Reno

• Bachelor of Business Administration, Nepal

Courses Taught

• FIN 3680 – Introduction to Finance

• FIN 3100 – Principles of Risk Management and Insurance

• FIN 2860 – Personal Finance

Selected Publications

• Pandey, I., & Pandey, S. (2025). Financial Knowledge and Credit Card Management Behavior: Analysis Using Fractional Regression. Journal of Financial Counseling and Planning.

• Parson, J. A., Marlett, D., Medders, L., Eggers, A., & Pandey, S. (2025). Modernizing Anti-Rebate Laws: Lessons Learned and Future Considerations. Journal of Insurance Regulation, 44, i.

• Pandey, S., Guillemette, M. A., & Pandey, I. (2025). Life Insurance and Retirement Income Rating. Financial Planning Research Journal.

• Olajide, O., Pandey, S., Pandey, I., & Stickley, Z. (2025). Financial Self-Efficacy and Debt Behavior: Does Gender or Marriage Matter? Journal of Financial Therapy.

• Pandey, I., Guillemette, M. A., & Pandey, S. (2025). Investors' Response to Market Volatility and Financial Sophistication. Financial Planning Review.

• Pandey, S., Guillemette, M. A., & Asebedo, S. D. (2024). Human Capital and Pandemic-Related Stimulus Usage. Financial Planning Review.

• Olajide, O., Pandey, S., & Pandey, I. (2024). Social Media for Investment Advice and Financial Satisfaction: Does Generation Matter? Journal of Risk and Financial Management.