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...
| Main Authors: | , , , , |
|---|---|
| Format: | Article |
| Language: | English |
| Published: |
Penerbit Universiti Kebangsaan Malaysia
2022
|
| Online Access: | http://journalarticle.ukm.my/20012/ http://journalarticle.ukm.my/20012/1/Paper_5_ZAHAYU.pdf |
| _version_ | 1848814992079454208 |
|---|---|
| author | Nurul Atahsa Shahira Masrom, Iffatul Widad Mohd Fauzi, Nurul Fazira Mohd Nazri, Masnita Misiran, Zahayu Md Yusof, |
| 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, |
| building | UKM Institutional Repository |
| collection | Online Access |
| 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. |
| first_indexed | 2025-11-15T00:42:53Z |
| format | Article |
| id | oai:generic.eprints.org:20012 |
| institution | Universiti Kebangasaan Malaysia |
| institution_category | Local University |
| language | English |
| last_indexed | 2025-11-15T00:42:53Z |
| publishDate | 2022 |
| publisher | Penerbit Universiti Kebangsaan Malaysia |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | oai:generic.eprints.org: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/ |
| 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 |
| title | 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_short | Determinants of debt management among fresh graduates |
| title_sort | determinants of debt management among fresh graduates |
| url | http://journalarticle.ukm.my/20012/ http://journalarticle.ukm.my/20012/ http://journalarticle.ukm.my/20012/1/Paper_5_ZAHAYU.pdf |