Factors Affecting Personal Financial Management Behaviour among Youth in Malaysia

Aflah Isa, NurulAshikin Romli, Nur Hafizah Azizan and Siti Noorsiah Jamaludin
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Aflah Isa: Faculty of Business and Management, Universiti Teknologi MARA, Cawangan Johor, Kampus Segamat Malaysia
NurulAshikin Romli: Faculty of Business and Management, Universiti Teknologi MARA, Cawangan Johor, Kampus Segamat Malaysia
Nur Hafizah Azizan: School of Information Science,College of Computing, Informatics and Mathematics, Cawangan Johor, Kampus Segamat Malaysia
Siti Noorsiah Jamaludin: School of Information Science,College of Computing, Informatics and Mathematics, Cawangan Johor, Kampus Segamat Malaysia

International Journal of Research and Innovation in Social Science, 2025, vol. 9, issue 3, 4348-4354

Abstract: This study aims at examining the factors affecting personal financial management behaviour among youth in Malaysia. Financial attitudes, financial knowledge and locus of control have been measured as the factors. This study is carried out through questionnaire distributed among youth in Malaysia and analysed using descriptive and analytical analysis. Data are collected througsh the distribution of questionnaires and related journals. The reason of this study is to find the lack of financial management of young people that lead them facing a financial problem and hardly practiced on managing the financial skills. Personal financial management is important for an individual especially among youth to ensure that they are having a good plan on budgeting, spending and saving. Last but not least, this research could be useful reference to the other research and helping on improvement of personal financial management behaviour especially among young people. Expected findings from this research conclude that financial attitudes and financial knowledge factors among youth are significant. However, locus of control is not significant related to personal financial management behaviour.

Date: 2025
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