Exploring the relationships of financial literacy and financial behaviour with Health-Related Quality of Life (HRQOL) among the low-income working population in Malaysia during the COVID-19 pandemic
This cross-sectional study examined the relationships of financial literacy (FL) and financial behaviour (FB) with health-related quality of life (HRQOL) during the COVID-19 pandemic among low-income working population (20–60 years old) in Malaysia. A self-administered questionnaire survey was used...
| Main Authors: | , , , , , , , , , , |
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| Format: | Article |
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Multidisciplinary Digital Publishing Institute
2022
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| Online Access: | http://psasir.upm.edu.my/id/eprint/101419/ |
| _version_ | 1848863556112482304 |
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| author | Sabri, Mohamad Fazli Said, Mas Ayu Magli, Amirah Shazana Tan, Maw Pin Rizal, Hussein Thangiah, Nithiah Ithnin, Muslimah Abdul Majid, Hazreen Ismail, Rozmi Tin, Tin Su Abdul Rahim, Husniyah |
| author_facet | Sabri, Mohamad Fazli Said, Mas Ayu Magli, Amirah Shazana Tan, Maw Pin Rizal, Hussein Thangiah, Nithiah Ithnin, Muslimah Abdul Majid, Hazreen Ismail, Rozmi Tin, Tin Su Abdul Rahim, Husniyah |
| author_sort | Sabri, Mohamad Fazli |
| building | UPM Institutional Repository |
| collection | Online Access |
| description | This cross-sectional study examined the relationships of financial literacy (FL) and financial behaviour (FB) with health-related quality of life (HRQOL) during the COVID-19 pandemic among low-income working population (20–60 years old) in Malaysia. A self-administered questionnaire survey was used with HRQOL data were gathered using the EuroQol 5-Dimension 5-Level (EQ-5D-5L) tool. A generalised linear model was employed to examine the hypothesised relationships between the constructs. From 1186 respondents, the majority were employed (73.9%), had a monthly household income of less than RM 2500 (74.5%), and did not have any chronic medical conditions (74.5%). The mean (SD) values of FL, FB, and EQ-5D-5L were 5.95 (1.48), 22.08 (4.79), and 0.96 (0.10), respectively. The results of the adjusted model revealed lower age group, Malay ethnicity, Indian ethnicity, and increased FB score as significant determinants of higher EQ-5D-5L scores. With the addition of the chronic medical condition factor into the saturated model, the lower age group, ethnicity, and no chronic medical condition were significant determinants of higher HRQOL. The effects of FB on QOL were confounded by chronic diseases, implying that interventions that focus on improving FB for those with chronic medical condition may help to improve the QOL among the low-income working population. |
| first_indexed | 2025-11-15T13:34:47Z |
| format | Article |
| id | upm-101419 |
| institution | Universiti Putra Malaysia |
| institution_category | Local University |
| last_indexed | 2025-11-15T13:34:47Z |
| publishDate | 2022 |
| publisher | Multidisciplinary Digital Publishing Institute |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | upm-1014192023-06-08T03:07:03Z http://psasir.upm.edu.my/id/eprint/101419/ Exploring the relationships of financial literacy and financial behaviour with Health-Related Quality of Life (HRQOL) among the low-income working population in Malaysia during the COVID-19 pandemic Sabri, Mohamad Fazli Said, Mas Ayu Magli, Amirah Shazana Tan, Maw Pin Rizal, Hussein Thangiah, Nithiah Ithnin, Muslimah Abdul Majid, Hazreen Ismail, Rozmi Tin, Tin Su Abdul Rahim, Husniyah This cross-sectional study examined the relationships of financial literacy (FL) and financial behaviour (FB) with health-related quality of life (HRQOL) during the COVID-19 pandemic among low-income working population (20–60 years old) in Malaysia. A self-administered questionnaire survey was used with HRQOL data were gathered using the EuroQol 5-Dimension 5-Level (EQ-5D-5L) tool. A generalised linear model was employed to examine the hypothesised relationships between the constructs. From 1186 respondents, the majority were employed (73.9%), had a monthly household income of less than RM 2500 (74.5%), and did not have any chronic medical conditions (74.5%). The mean (SD) values of FL, FB, and EQ-5D-5L were 5.95 (1.48), 22.08 (4.79), and 0.96 (0.10), respectively. The results of the adjusted model revealed lower age group, Malay ethnicity, Indian ethnicity, and increased FB score as significant determinants of higher EQ-5D-5L scores. With the addition of the chronic medical condition factor into the saturated model, the lower age group, ethnicity, and no chronic medical condition were significant determinants of higher HRQOL. The effects of FB on QOL were confounded by chronic diseases, implying that interventions that focus on improving FB for those with chronic medical condition may help to improve the QOL among the low-income working population. Multidisciplinary Digital Publishing Institute 2022-09-30 Article PeerReviewed Sabri, Mohamad Fazli and Said, Mas Ayu and Magli, Amirah Shazana and Tan, Maw Pin and Rizal, Hussein and Thangiah, Nithiah and Ithnin, Muslimah and Abdul Majid, Hazreen and Ismail, Rozmi and Tin, Tin Su and Abdul Rahim, Husniyah (2022) Exploring the relationships of financial literacy and financial behaviour with Health-Related Quality of Life (HRQOL) among the low-income working population in Malaysia during the COVID-19 pandemic. International Journal of Environmental Research and Public Health, 19 (19). art. no. 12520. pp. 1-17. ISSN 1661-7827; ESSN: 1660-4601 https://www.mdpi.com/1660-4601/19/19/12520 10.3390/ijerph191912520 |
| spellingShingle | Sabri, Mohamad Fazli Said, Mas Ayu Magli, Amirah Shazana Tan, Maw Pin Rizal, Hussein Thangiah, Nithiah Ithnin, Muslimah Abdul Majid, Hazreen Ismail, Rozmi Tin, Tin Su Abdul Rahim, Husniyah Exploring the relationships of financial literacy and financial behaviour with Health-Related Quality of Life (HRQOL) among the low-income working population in Malaysia during the COVID-19 pandemic |
| title | Exploring the relationships of financial literacy and financial behaviour with Health-Related Quality of Life (HRQOL) among the low-income working population in Malaysia during the COVID-19 pandemic |
| title_full | Exploring the relationships of financial literacy and financial behaviour with Health-Related Quality of Life (HRQOL) among the low-income working population in Malaysia during the COVID-19 pandemic |
| title_fullStr | Exploring the relationships of financial literacy and financial behaviour with Health-Related Quality of Life (HRQOL) among the low-income working population in Malaysia during the COVID-19 pandemic |
| title_full_unstemmed | Exploring the relationships of financial literacy and financial behaviour with Health-Related Quality of Life (HRQOL) among the low-income working population in Malaysia during the COVID-19 pandemic |
| title_short | Exploring the relationships of financial literacy and financial behaviour with Health-Related Quality of Life (HRQOL) among the low-income working population in Malaysia during the COVID-19 pandemic |
| title_sort | exploring the relationships of financial literacy and financial behaviour with health-related quality of life (hrqol) among the low-income working population in malaysia during the covid-19 pandemic |
| url | http://psasir.upm.edu.my/id/eprint/101419/ http://psasir.upm.edu.my/id/eprint/101419/ http://psasir.upm.edu.my/id/eprint/101419/ |