Determinants of financial wellness among Malaysia workers

作者：Delafrooz Narges; Paim Laily Hj^*

来源：Asia Life Sciences, 2011, 20(2): 307-321.

DOI：10.5897/ajbm10.1267

• financial literacy
• financial behaviors
• financial stress
• financial wellness
• demographic characteristics
• income
• age
• gender
• marital status
• ethnicity
• education
• home ownership
• path analysis

The purpose of this study is to examine determinants that influence financial wellness. The results of this study can be used for better understanding on the relationships between and among determinants of financial wellness by highlighting the relationships among demographic characteristics, financial literacy, financial behaviors, financial stress and financial wellness. Samples were selected using multi-stage sampling technique among employees in public and private sectors. A total of 2,000 completed questionnaires were analyzed using path analysis to identify direct and indirect effects on financial wellness. The findings identified that financial behaviors, financial stress level, financial literacy, income, gender, marital status, home ownership and education had either a direct or indirect effect on financial wellness. Age and ethnicity did not significantly affect the financial wellness

• 出版日期2011-12