In pursuit of financial well-being: the effects of financial literacy, financial behaviour and financial stress on employees in Labuan / Zaiton Osman, Erni Marlina Madzlan and Phang Ing
The exposure to a plethora of choices and relatively complex financial products has intensified the need for financial knowledge adequacy in order to acquire the skills needed to make sound financial decisions. The study aimed to examine the effects of financial literacy and financial behaviour on r...
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| Format: | Article |
| Language: | English |
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Universiti Teknologi MARA Cawangan Sarawak
2018
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| Online Access: | https://ir.uitm.edu.my/id/eprint/33618/ |
| _version_ | 1848808331102126080 |
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| author | Osman, Zaiton Madzlan, Erni Marlina Ing, Phang |
| author_facet | Osman, Zaiton Madzlan, Erni Marlina Ing, Phang |
| author_sort | Osman, Zaiton |
| building | UiTM Institutional Repository |
| collection | Online Access |
| description | The exposure to a plethora of choices and relatively complex financial products has intensified the need for financial knowledge adequacy in order to acquire the skills needed to make sound financial decisions. The study aimed to examine the effects of financial literacy and financial behaviour on respondents’ financial well-being and to assess the role of financial stress in mediating these relationships. Using a web-based online survey approach, a total of 213 employees in the government and private sectors in the Federal Territory of Labuan responded to the self-administered questionnaire via convenience sampling technique. All data were analyzed using Partial Least Square (PLS) version 3.0. This study found significant relationships between financial literacy, financial stress, and financial well-being. However, there was no significant correlation between financial behaviour and financial wellbeing. Subsequently, financial stress proved to have no mediating effect on predicting employee’s financial well-being in FT Labuan. |
| first_indexed | 2025-11-14T22:57:01Z |
| format | Article |
| id | uitm-33618 |
| institution | Universiti Teknologi MARA |
| institution_category | Local University |
| language | English |
| last_indexed | 2025-11-14T22:57:01Z |
| publishDate | 2018 |
| publisher | Universiti Teknologi MARA Cawangan Sarawak |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | uitm-336182022-08-26T09:03:52Z https://ir.uitm.edu.my/id/eprint/33618/ In pursuit of financial well-being: the effects of financial literacy, financial behaviour and financial stress on employees in Labuan / Zaiton Osman, Erni Marlina Madzlan and Phang Ing ijsms Osman, Zaiton Madzlan, Erni Marlina Ing, Phang Psychological tests and testing Personality Personality types. Typology Study and teaching. Research Banking Malaysia The exposure to a plethora of choices and relatively complex financial products has intensified the need for financial knowledge adequacy in order to acquire the skills needed to make sound financial decisions. The study aimed to examine the effects of financial literacy and financial behaviour on respondents’ financial well-being and to assess the role of financial stress in mediating these relationships. Using a web-based online survey approach, a total of 213 employees in the government and private sectors in the Federal Territory of Labuan responded to the self-administered questionnaire via convenience sampling technique. All data were analyzed using Partial Least Square (PLS) version 3.0. This study found significant relationships between financial literacy, financial stress, and financial well-being. However, there was no significant correlation between financial behaviour and financial wellbeing. Subsequently, financial stress proved to have no mediating effect on predicting employee’s financial well-being in FT Labuan. Universiti Teknologi MARA Cawangan Sarawak 2018-03 Article PeerReviewed text en https://ir.uitm.edu.my/id/eprint/33618/1/33618.pdf Osman, Zaiton and Madzlan, Erni Marlina and Ing, Phang (2018) In pursuit of financial well-being: the effects of financial literacy, financial behaviour and financial stress on employees in Labuan / Zaiton Osman, Erni Marlina Madzlan and Phang Ing. (2018) International Journal of Service Management and Sustainability (IJSMS) <https://ir.uitm.edu.my/view/publication/International_Journal_of_Service_Management_and_Sustainability_=28IJSMS=29.html>, 3 (1). pp. 1-40. ISSN 2550-1569 http://www.ijsmssarawak.com/ |
| spellingShingle | Psychological tests and testing Personality Personality types. Typology Study and teaching. Research Banking Malaysia Osman, Zaiton Madzlan, Erni Marlina Ing, Phang In pursuit of financial well-being: the effects of financial literacy, financial behaviour and financial stress on employees in Labuan / Zaiton Osman, Erni Marlina Madzlan and Phang Ing |
| title | In pursuit of financial well-being: the effects of financial literacy, financial behaviour and financial stress on employees in Labuan / Zaiton Osman, Erni Marlina Madzlan and Phang Ing |
| title_full | In pursuit of financial well-being: the effects of financial literacy, financial behaviour and financial stress on employees in Labuan / Zaiton Osman, Erni Marlina Madzlan and Phang Ing |
| title_fullStr | In pursuit of financial well-being: the effects of financial literacy, financial behaviour and financial stress on employees in Labuan / Zaiton Osman, Erni Marlina Madzlan and Phang Ing |
| title_full_unstemmed | In pursuit of financial well-being: the effects of financial literacy, financial behaviour and financial stress on employees in Labuan / Zaiton Osman, Erni Marlina Madzlan and Phang Ing |
| title_short | In pursuit of financial well-being: the effects of financial literacy, financial behaviour and financial stress on employees in Labuan / Zaiton Osman, Erni Marlina Madzlan and Phang Ing |
| title_sort | in pursuit of financial well-being: the effects of financial literacy, financial behaviour and financial stress on employees in labuan / zaiton osman, erni marlina madzlan and phang ing |
| topic | Psychological tests and testing Personality Personality types. Typology Study and teaching. Research Banking Malaysia |
| url | https://ir.uitm.edu.my/id/eprint/33618/ https://ir.uitm.edu.my/id/eprint/33618/ |