Factors affecting personal financial management behaviors among youth in Melaka

Chan, Kar Jing (2019) Factors affecting personal financial management behaviors among youth in Melaka. Project Report. Universiti Teknikal Malaysia Melaka, Melaka, Malaysia. (Submitted)

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Abstract

Nowadays, global economic growth has brought the impact of change on the social financial system. There are one of the emerging parts which is the personal financial management behaviors especially among the youth. Society must understand the factors which may affecting financial management behaviors toward youth. Hence, this research aimed to study the factors which affecting personal financial management behaviors among youth in Melaka. There are three research objectives which are investigate the factors that may affect individual engagement in personal financial management behaviors among the youth, the relationship between factors and personal financial management behavior and to examine the most significant factors toward personal financial management behaviors among youth in Melaka. In order to study this topic, the researcher has selected 384 respondents as sample framework with google form questionnaire distributed online and offline. For finding analysis, the researcher was searched a lot of journal article from primary data and secondary data and also used descriptive analysis, pearson’s correlation coefficient analysis, multiple regression analysis and hypothesis testing by SPSS software to analyse the data. The finding depicts that there is significant relationship between financial attitude, subjective norm, perceived behavioral control and financial literacy towards the personal financial management behaviours. The researcher recommends the education institution provided more program about financial in term of increase the knowledge among the youth. Besides, the future researcher could cover more factors that will affecting the personal financial management behaviours.

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