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Determinants of debt management among fresh graduates

Fresh graduates in Malaysia appear to be overwhelmed by money, falling into debt, and jeopardizing their financial contentment. In this study, we aim to identify the determinant of debt management among fresh graduates and the relationship between debt management and gender, ethnicity, education loa...

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Main Authors: Nurul Atahsa Shahira Masrom,, Iffatul Widad Mohd Fauzi,, Nurul Fazira Mohd Nazri,, Masnita Misiran,, Zahayu Md Yusof,
Format: Article
Language:English
Published: Penerbit Universiti Kebangsaan Malaysia 2022
Online Access:http://journalarticle.ukm.my/20012/1/Paper_5_ZAHAYU.pdf
http://journalarticle.ukm.my/20012/
https://www.ukm.my/jqma/current/
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spelling my-ukm.journal.200122022-10-04T00:56:05Z http://journalarticle.ukm.my/20012/ Determinants of debt management among fresh graduates Nurul Atahsa Shahira Masrom, Iffatul Widad Mohd Fauzi, Nurul Fazira Mohd Nazri, Masnita Misiran, Zahayu Md Yusof, Fresh graduates in Malaysia appear to be overwhelmed by money, falling into debt, and jeopardizing their financial contentment. In this study, we aim to identify the determinant of debt management among fresh graduates and the relationship between debt management and gender, ethnicity, education loan, car, saving ratio, debt to income ratio, and financial skills by using multiple regression analysis. Finding suggests that fresh graduates with good financial skills are more likely to have good debt management, and women are found to manage debt better than men, thus the need to include financial education at the university level to prepare this age group before they enter the job market. Penerbit Universiti Kebangsaan Malaysia 2022 Article PeerReviewed application/pdf en http://journalarticle.ukm.my/20012/1/Paper_5_ZAHAYU.pdf Nurul Atahsa Shahira Masrom, and Iffatul Widad Mohd Fauzi, and Nurul Fazira Mohd Nazri, and Masnita Misiran, and Zahayu Md Yusof, (2022) Determinants of debt management among fresh graduates. Journal of Quality Measurement and Analysis, 18 (2). pp. 65-73. ISSN 1823-5670 https://www.ukm.my/jqma/current/
institution Universiti Kebangsaan Malaysia
building Tun Sri Lanang Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Kebangsaan Malaysia
content_source UKM Journal Article Repository
url_provider http://journalarticle.ukm.my/
language English
description Fresh graduates in Malaysia appear to be overwhelmed by money, falling into debt, and jeopardizing their financial contentment. In this study, we aim to identify the determinant of debt management among fresh graduates and the relationship between debt management and gender, ethnicity, education loan, car, saving ratio, debt to income ratio, and financial skills by using multiple regression analysis. Finding suggests that fresh graduates with good financial skills are more likely to have good debt management, and women are found to manage debt better than men, thus the need to include financial education at the university level to prepare this age group before they enter the job market.
format Article
author Nurul Atahsa Shahira Masrom,
Iffatul Widad Mohd Fauzi,
Nurul Fazira Mohd Nazri,
Masnita Misiran,
Zahayu Md Yusof,
spellingShingle Nurul Atahsa Shahira Masrom,
Iffatul Widad Mohd Fauzi,
Nurul Fazira Mohd Nazri,
Masnita Misiran,
Zahayu Md Yusof,
Determinants of debt management among fresh graduates
author_facet Nurul Atahsa Shahira Masrom,
Iffatul Widad Mohd Fauzi,
Nurul Fazira Mohd Nazri,
Masnita Misiran,
Zahayu Md Yusof,
author_sort Nurul Atahsa Shahira Masrom,
title Determinants of debt management among fresh graduates
title_short Determinants of debt management among fresh graduates
title_full Determinants of debt management among fresh graduates
title_fullStr Determinants of debt management among fresh graduates
title_full_unstemmed Determinants of debt management among fresh graduates
title_sort determinants of debt management among fresh graduates
publisher Penerbit Universiti Kebangsaan Malaysia
publishDate 2022
url http://journalarticle.ukm.my/20012/1/Paper_5_ZAHAYU.pdf
http://journalarticle.ukm.my/20012/
https://www.ukm.my/jqma/current/
_version_ 1746211289932234752
score 13.211869

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