Cover Image

Determinants of financial vulnerability mediated by financial management practices among civil servants in Peninsular Malaysia

The affection of the global financial crisis, rising debt problem, and bankruptcy among civil servants in Malaysia are perturbing. To date, there is no previous study on the factors of financial literacy, financial attitudes, and self-efficacy in examining financial vulnerability. Therefore, this st...

Full description

Saved in:
Bibliographic Details
Main Author: Lee, May Poh
Format: Thesis
Language:English
Published: 2020
Subjects:
Financial crises - Case studies
Finance, Personal - Malaysia
Civil service - Malaysia
Online Access:http://psasir.upm.edu.my/id/eprint/98435/1/FEM%202021%2014%20UPMIR.pdf
http://psasir.upm.edu.my/id/eprint/98435/
Tags: Add Tag
No Tags, Be the first to tag this record!
id my.upm.eprints.98435
record_format eprints
spelling my.upm.eprints.984352022-09-05T03:12:39Z http://psasir.upm.edu.my/id/eprint/98435/ Determinants of financial vulnerability mediated by financial management practices among civil servants in Peninsular Malaysia Lee, May Poh The affection of the global financial crisis, rising debt problem, and bankruptcy among civil servants in Malaysia are perturbing. To date, there is no previous study on the factors of financial literacy, financial attitudes, and self-efficacy in examining financial vulnerability. Therefore, this study aims to determine the relationships between financial vulnerability and its predictors (financial literacy, financial attitude, and self-efficacy) and mediated by financial management practices among the civil servants in Peninsular Malaysia. A quantitative methodology using a self-administered questionnaire as a tool for collecting data involved a total of 590 civil servants in Peninsular Malaysia selected through a multi-stage random sampling. The results showed that there were positive significant relationships between financial attitude (r= .338, p= .000), self-efficacy (r= .407, p= .000), excepted for financial literacy (r= .036, p= .409) with the financial vulnerability. Also, financial management practices followed by self-efficacy determinant of financial vulnerability. In testing the mediation effect, the indirect mediation effect of financial management practices existed and significant in the relationships between financial literacy (B= .246, p= .000), financial attitude (B= .246, p= .000) and self-efficacy (B= .324, p= .000) with financial vulnerability. A better understanding of financial vulnerability will increase the awareness of all civil servants in planning their savings, expenses as well as consumption and the research results are able to provide practical implication to business owners as well as the managerial level to their organisational planning and thus enhance the motivation as well as the practices of the working class leading to their achievement for better performance. 2020-10 Thesis NonPeerReviewed text en http://psasir.upm.edu.my/id/eprint/98435/1/FEM%202021%2014%20UPMIR.pdf Lee, May Poh (2020) Determinants of financial vulnerability mediated by financial management practices among civil servants in Peninsular Malaysia. Masters thesis, Universiti Putra Malaysia. Financial crises - Case studies Finance, Personal - Malaysia Civil service - Malaysia
institution Universiti Putra Malaysia
building UPM Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Putra Malaysia
content_source UPM Institutional Repository
url_provider http://psasir.upm.edu.my/
language English
topic Financial crises - Case studies
Finance, Personal - Malaysia
Civil service - Malaysia
spellingShingle Financial crises - Case studies
Finance, Personal - Malaysia
Civil service - Malaysia
Lee, May Poh
Determinants of financial vulnerability mediated by financial management practices among civil servants in Peninsular Malaysia
description The affection of the global financial crisis, rising debt problem, and bankruptcy among civil servants in Malaysia are perturbing. To date, there is no previous study on the factors of financial literacy, financial attitudes, and self-efficacy in examining financial vulnerability. Therefore, this study aims to determine the relationships between financial vulnerability and its predictors (financial literacy, financial attitude, and self-efficacy) and mediated by financial management practices among the civil servants in Peninsular Malaysia. A quantitative methodology using a self-administered questionnaire as a tool for collecting data involved a total of 590 civil servants in Peninsular Malaysia selected through a multi-stage random sampling. The results showed that there were positive significant relationships between financial attitude (r= .338, p= .000), self-efficacy (r= .407, p= .000), excepted for financial literacy (r= .036, p= .409) with the financial vulnerability. Also, financial management practices followed by self-efficacy determinant of financial vulnerability. In testing the mediation effect, the indirect mediation effect of financial management practices existed and significant in the relationships between financial literacy (B= .246, p= .000), financial attitude (B= .246, p= .000) and self-efficacy (B= .324, p= .000) with financial vulnerability. A better understanding of financial vulnerability will increase the awareness of all civil servants in planning their savings, expenses as well as consumption and the research results are able to provide practical implication to business owners as well as the managerial level to their organisational planning and thus enhance the motivation as well as the practices of the working class leading to their achievement for better performance.
format Thesis
author Lee, May Poh
author_facet Lee, May Poh
author_sort Lee, May Poh
title Determinants of financial vulnerability mediated by financial management practices among civil servants in Peninsular Malaysia
title_short Determinants of financial vulnerability mediated by financial management practices among civil servants in Peninsular Malaysia
title_full Determinants of financial vulnerability mediated by financial management practices among civil servants in Peninsular Malaysia
title_fullStr Determinants of financial vulnerability mediated by financial management practices among civil servants in Peninsular Malaysia
title_full_unstemmed Determinants of financial vulnerability mediated by financial management practices among civil servants in Peninsular Malaysia
title_sort determinants of financial vulnerability mediated by financial management practices among civil servants in peninsular malaysia
publishDate 2020
url http://psasir.upm.edu.my/id/eprint/98435/1/FEM%202021%2014%20UPMIR.pdf
http://psasir.upm.edu.my/id/eprint/98435/
_version_ 1743108568235638784
score 13.211869

Similar Items