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This study concludes that financial literacy, saving behaviour, financial management, and financial status are significant predictors of retirement confidence among working women, with financial management as the major factor contributing towards retirement confidence. Furthermore, multiple regression analysis was applied to determine the predictors of retirement confidence. The findings reveal that retirement confidence is positively correlated with financial literacy, saving behaviour, and financial management. This study applied Pearson Correlational analysis to determine the relationship between the variables. 708 respondents participated in this study. Multi-stage random sampling technique was applied as the sampling technique in this study. This study aims to examine the influence of financial literacy, saving behaviour, and financial management on retirement confidence among women working in the Malaysian public sector. Much of past research has revealed that women consistently perform a poor level of retirement confidence compared to men. The findings hold across the five credit card behaviors and the five age groups.Īwareness of retirement confidence has been found to be low in many people, especially in women. This combined approach to assessment produced the largest estimates of the effects of financial literacy on credit card behavior. The study also shows that the combination of the subjective assessment with the objective assessment of financial literacy provides a more comprehensive analysis of how financial literacy affects each credit card behavior. Perceived financial literacy was found to be a stronger predictor of less costly practices in credit card use than actual financial literacy for the five credit card behaviors and across each of the five age groups. adults (N = 28,146) divided into groups to reflect the five major decades in the adult life cycle (18–29 30–39 40–49 50–59 and 60–69 and older). Probit analysis was used to assess each behavior with a large nationally representative sample of U.S.

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In this study, we use a measure of financial literacy that includes both a test score of actual financial literacy and a self-rating of perceived financial literacy to investigate how financial literacy affects five credit card behaviors: (1) always paying a credit card balance in full (2) carrying over a credit card balance and being charged interest (3) making only a minimum payment on a credit card balance (4) being charged a fee for a late payment and (5) being charged a fee for exceeding a credit limit. Study with other countries will become the future direction of this research. Planning will experience well-being until their retirement. Good fit FLC measurement model, a second order CFA was conducted. Measurement model 2 presented Chi-square/df=2.186, GFI=.936,ĪGFI=.903, CFI=.900, RMSEA =.060, and all the values fitted within theĪcceptable value.

The FLC measurement model 1ĭid not meet threshold, a revision was needed. The confirmatory factor analysis measurement model 1 withįour latent variables, accountability, decision making, human value and This study employed survey design and consisted of two Promote human values, practices and accountability among secondary TheĪim of this study is to develop a financial literacy cybergogy model to Into teaching financial literacy can promote students’ learning interest. Literacy and most of them are materialistic. The younger generation has not yet realised the importance of financial

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