Effects of gender and income on Malaysian’s financial capability

Effects of gender and income on Malaysian’s financial capability

The rapidly changing world and financial landscape have resulted in the availability of newer and more attractive financing alternatives, thus attracting the attention of households and resulting in the increasing debt levels in developed and emerging countries alike. This is a worrying trend and na...

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书目详细资料
发表在:Malaysian Journal of Consumer and Family Economics
主要作者: Sabri M.F.; Mokhtar N.; Ho C.S.F.; Anthony M.; Wijekoon R.
格式: 文件
语言:English
出版: Malaysian Consumer and Family Economics Association 2020
在线阅读:https://www.scopus.com/inward/record.uri?eid=2-s2.0-85094194720&partnerID=40&md5=ecbeed5f622af3250db85ff2f9dfb770
实物特征
总结:The rapidly changing world and financial landscape have resulted in the availability of newer and more attractive financing alternatives, thus attracting the attention of households and resulting in the increasing debt levels in developed and emerging countries alike. This is a worrying trend and nations are scrambling to ensure that their consumers are well-equipped with the knowledge and practice of financial capability to prevent the problem of over-reliance on debt and welfare, as well as to enhance financial health sustainability. Therefore, this study aimed to reveal the impact of socio-demographic characteristics on the four domains of financial capability, namely planning ahead, managing money, choosing products, and staying informed. A self-administered questionnaire was distributed to a sample of 2000 respondents across Malaysia, whereby data analysis revealed that gender posed a significant effect on the domains of planning ahead and staying informed. In contrast, income did not affect financial capability. Thus, it is recommended that greater attention should be placed on research and professional training towards building one’s financial capability. Furthermore, both the government and non-governmental organisations should develop an inclusive approach to increase the financial capability and upgrade the living standards of especially-financially-vulnerable households. © 2020, Malaysian Consumer and Family Economics Association. All rights reserved.
ISSN:15112802

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