scholarly journals MEASURING FINANCIAL WELLNESS OF THE MALAYSIAN EMPLOYEES

2020 ◽  
Vol 4 (1) ◽  
pp. 1-22
Author(s):  
Rossazana Ab Rahim
Keyword(s):  
Financial Literacy ◽  
Response Rate ◽  
Sampling Technique ◽  
Education Level ◽  
Financial Behavior ◽  
Public And Private ◽  
The Public ◽  
Financial Wellness ◽  
Multi Stage ◽  
Public And Private Sector

The purpose of this paper is to assess the determinants of financial wellness among employees in Sarawak. Samples are selected using multi-stage sampling technique among employees work at Kuching City and regression analysis is applied to examine the impacts of financial literacy, financial stress, and financial behavior towards the financial wellness among employees. A total of 300 questionnaires was distributed to the public and private sector employees with a response rate at 71 per cent. Generally, the results suggest that all determinants significantly affect the financial wellness of the workers. Additionally, education level is found important to the financial wellness among employees in Kuching, Sarawak.

scholarly journals Predictors of Financial Well-Being among Malaysian Employees: Examining the Mediate Effect of Financial Stress

2013 ◽  
Vol 1 (3) ◽  
pp. 61 ◽  
Author(s):  
Mohamad Fadzli Sabri ◽  
Leila Falahatib Falahati
Keyword(s):  
Financial Literacy ◽  
Financial Stress ◽  
Sampling Technique ◽  
Well Being ◽  
Financial Behavior ◽  
Financial Problem ◽  
Financial Capability ◽  
Public And Private ◽  
Policy Makers ◽  
Multi Stage

Financial well-being and its impact on the quality of life among employees have received considerable attention from researchers, consumer and financial educators, practitioners and policy makers. The purpose of this study is to examine the determinant factors of employees’ financial well-being in Malaysia. The results of this study can be used for better understanding of the relationship between and among determinants of financial well-being by highlighting the relationships among financial literacy, financial behavior, financial capability, financial problem, and financial stress. Samples were selected using multi-stage sampling technique among employees in public and private sectors. A total of 2,000 completed questionnaires were analyzed using path analysis to identify direct and indirect effects on financial well-being. The results identified that financial well-being determinants were financial literacy, financial behavior, financial capability, financial problem; and financial stress had either a direct and indirect effect on financial well-being. The findings indicated that financial stress partially mediate the effect of factors on predicting financial well-being.

scholarly journals The Effect of Financial Literacy on Malang District Society’s Financial Behavior

2021 ◽  
Vol 19 (2) ◽  
pp. 91
Author(s):  
Novita Ratna Satiti ◽  
Chalimatuz Sa'diyah
Keyword(s):  
Financial Literacy ◽  
Financial Institution ◽  
Secondary Data ◽  
Financial Behavior ◽  
The Public ◽  
Financial Products ◽  
Multi Stage ◽  
Finance House ◽  
Effective Decision ◽  
To Come

This study aims to analyze the effect of financial literacy on financial behavior in the community in Malang district. The design and approach used is the mix method. The data used in this study are primary in the form of literacy and financial behavior of the public, and secondary data in the form of financial institution information in the Malang Regency. Samples of farmers in 33 districts were selected using Multi Stage Random Sampling. Data was collected by observing, interviewing and distributing questionnaires. The result showed that the interaction between financial literacy and finance house significantly affects financial behavior. Financial literacy is to have the ability and knowledge of concept and risk, and skill to make more effective decision in finance individually, in a family, and in society. The finance house would help the society to know how to come into decision in managing their finance. It would change the society’s behavior from having lack of knowledge, ability, and belief in financial products and services to having them comprehensively, including knowing features, risks, and advantages of financial products and services. Additionally, it is expected that the society would have ability in using the financial products and services.

scholarly journals Effect of Scholarships on Students’ Social Development at University Level

2020 ◽  
Vol 1 (3) ◽  
pp. 180-187
Author(s):  
Shabeena Shaheen ◽  
Dr. Ziarab Mahmood ◽  
Dr. Nazir Haider Shah
Keyword(s):  
Social Development ◽  
Private Universities ◽  
Sampling Technique ◽  
Survey Method ◽  
Major Purpose ◽  
Public And Private ◽  
The Public ◽  
University Level ◽  
Public And Private Sector ◽  
The University

The major purpose of the study was to measure the effect of scholarships on students’ social development at the university level. The study was descriptive, and the survey method was applied for the collection of data. The population consisted of all teachers and students of public and private universities of Rawalpindi and Islamabad. The total population of teachers in the public and private universities were 4073 and students were 101968. A stratified random sampling technique was applied for selecting the study sample. The researcher selected 525 teachers from public and private universities as well as 900 students from public and private universities. The researcher developed two questionnaires using a five-point Likert scale on the foundation of related literature and with the help of the supervisor. The validity of the instruments was checked by two experts in the field. The reliability of these instruments was determined through Cronbach’s alpha which was 0.832. Mean, standard deviation, t-test, and regression analysis were used for analyzing the data. It was found that scholarships are available at the public and private sector universities. It was also found that there was a significant effect of scholarships on students’ development. Therefore, it is recommended that scholarships may be spread on the university website, to guarantee students successful learning, higher education institutions will have to meet the challenges of student’s problems.

Pengaruh Literasi Keuangan, Financial Technology, dan Gaya Hidup terhadap Perilaku Keuangan Guru Taman Kanak-Kanak

2021 ◽  
Vol 4 (2) ◽  
pp. 290-307
Author(s):  
M Iqbal Zarkasyi
Keyword(s):  
Financial Literacy ◽  
Sampling Technique ◽  
Total Sample ◽  
Teaching Profession ◽  
Point Of View ◽  
Financial Behavior ◽  
Public And Private ◽  
Teacher Qualification ◽  
The Government ◽  
Financial Technology

The current teaching profession is very promising in terms of income, especially for those who have obtained a professional diploma. The government provides additional income or allowances for public and private teachers through a teacher qualification certification program. The government is trying to improve the professionalism of teachers, but in reality, there are not a few teachers who view from the wrong point of view that the professional allowance is a teacher's right and a government obligation. The purpose of this study was to determine the effect of financial literacy, financial technology, and lifestyle on financial behavior in kindergarten teachers in the Sukolilo District, Surabaya City. Determination of the sample using the slovin method with purposive sampling technique resulted in a total sample of 74 respondents. The data analysis technique used is Partial square (PLS). The results of this study indicate that financial literacy has a positive and significant effect on financial behavior, financial technology is not significant to financial behavior, and lifestyle has a positive and significant effect on financial behavior.

scholarly journals Analyzing Ghana’s Tourism Operating Environment A Political Economy Perspective

2017 ◽  
Vol 7 (2017) ◽  
pp. 1-21
Author(s):  
Kwaku Adutwum Ayim Boakye ◽  
Issahaku Adams ◽  
Charles Atanga Adongo
Keyword(s):  
Political Economy ◽  
Sampling Technique ◽  
Organizational Structures ◽  
Economic Transformation ◽  
Fiscal Policies ◽  
Operating Environment ◽  
Public And Private ◽  
The Public ◽  
Tourism Sector ◽  
Public And Private Sector

Notwithstanding its importance to the success of businesses and industries, the external operating environment is hardly a subject of interest in the tourism literature. But understanding the operating environment is of major value when assessing the efficacy of tourism and its role as a vehicle for socio-economic transformation in any country. The present study, therefore, employs a qualitative design within a political economy framework to assess the current environment within which Ghana‟s tourism operates. Using unstructured in-depth interviews the study collates views from 10 senior tourism sector operatives representing both public and private sectors chosen through the purposive sampling technique. The findings suggest that the political and economic factors of the present operating environment combine to create a difficult operational theatre for both the public and private sector actors in tourism. By implication, therefore, the environment disables rather than enables the tourism trade and circumscribes its potential for expansion. To reverse the situation it is recommended that the existing organizational structures must be repositioned and also there must be a reorientation of the existing ideological and fiscal policies.

scholarly journals Analisis Pengaruh Literasi Keuangan, Inklusi Keuangan, Dan Tingkat Pendidikan Terhadap Perilaku Keuangan Pelaku Umkm Kedai/Warung Makanan Di Desa Bahagia Kabupaten Bekasi

2021 ◽  
Vol 16 (2) ◽  
pp. 61-70
Author(s):  
Puput Andriyani ◽  
Ari Sulistyowati
Keyword(s):  
Data Collection ◽  
Significant Influence ◽  
Financial Literacy ◽  
Sampling Technique ◽  
Education Level ◽  
Partial Least Square ◽  
Financial Inclusion ◽  
Least Square ◽  
Financial Behavior ◽  
Data Collection Technique

This study aims to determine the effect of financial literacy on financial behavior, the effect of financial inclusion on financial behavior, and the effect of education level on financial behavior. The method in data processing used in this research is to use PLS (Partial Least Square) with the object of research being SMEs in the food stalls/shops in the Bahagia Village, Bekasi Regency. The sampling technique used was purposive probability with the form of non-probability sampling. The data collection technique used a questionnaire as many as 106 SMEs in the food stalls/shops in the Bahagia Village, Bekasi Regency. The results of this study indicate that there is a significant influence of financial literacy on the financial behavior of SMEs in food stalls/food stalls in Bahagia Village with t statistics 2.618 greater than t table 1.659, and a significant value of financial inclusion on financial behavior with t statistics 2.462 greater than t table 1.659, as well as the significant value of education level on the financial behavior of SMEs in food stalls/shops in Bahagia Village with a t statistics of 2.689 which is greater than a t table of 1.659.

Service Quality Satisfaction: A Comparative Cross-Sectional Study of Public and Private University Librarians in Pakistan

Libri ◽  
2017 ◽  
Vol 67 (4) ◽  
Author(s):  
Shamshad Ahmed
Keyword(s):  
Service Quality ◽  
Sampling Technique ◽  
Private University ◽  
Cross Sectional Study ◽  
University Libraries ◽  
Cross Sectional ◽  
Public And Private ◽  
Four Dimensions ◽  
The Public ◽  
Public And Private Sector

AbstractThe purpose of this paper is to identify service quality differences among librarians working in the public and private sector university libraries of Pakistan. An adapted instrument based on the SERVQUAL model, comprised of 30 items and divided into four dimensions, (a) responsiveness; (b) reliability; (c) assurance; and (d) empathy, was used to measure the service quality of librarians. A convenience sampling technique was used to collect data from the users of public and private university libraries, with the Mann-Whitney

scholarly journals Organizational Culture of HEIs: What matters the most?

2021 ◽  
Vol 4 (2) ◽  
pp. 167-177
Author(s):  
DR. ANJUM IHSAN ◽  
ABID AHMAD ◽  
DR. FAYYAZ ALI SHAH ◽  
HAMID ULLAH
Keyword(s):  
Sampling Technique ◽  
Organization Culture ◽  
Cluster Sampling ◽  
Strong Impact ◽  
Organization Performance ◽  
Cross Sectional ◽  
Public And Private ◽  
Multi Stage ◽  
Espoused Beliefs ◽  
Public And Private Sector

Culture and climate of an organization is valued to gain competitive advantage in today’s modern organizations. This study aimed to analyze the relative importance of Artifacts, Espoused Beliefs & Values and Basic Underlying Assumptions—the constituents of organization culture in relation to organization performance in Higher Education Institutes (HEIs) of district Peshawar. Cross-sectional data was collected from 250 employees of public and private sector universities working in drade-17 or above as teaching faculty or administrative staff using multi-stage cluster sampling technique. Findings indicated strong impact of constituents of organization cultural on organization performance and that the artifacts component has greater impact on organization performance than the other two components. Espoused beliefs and values have smaller impact than artifacts but greater impact than basic underlying assumptions and basic underlying assumptions have smallest impact. Thus leadership and management of HEIs should pay more and more attention to their tangible artifacts and making then more and more visible and ensuring their proper usage as this will lead to improvement in organization performance.

scholarly journals CUSTOMER RELATIONSHIP MANAGEMENT PRACTICES OF INDIAN PUBLIC AND PRIVATE SECTOR BANKS: AN EXPLORATORY STUDY

2021 ◽  
pp. 1-12
Keyword(s):  
Private Sector ◽  
Management Practices ◽  
Banking Sector ◽  
Sampling Technique ◽  
Customer Relationship ◽  
Attrition Rate ◽  
Public And Private ◽  
Multi Stage ◽  
Public And Private Sector ◽  
The Impact

The contemporary study focused on the impact of CRM parameters to identify the influencing factors towards customer satisfaction and customer loyalty. A sample of 1200 respondents chosen from public sector (SBI and of Andhra bank) and private sector banks (ICICI and HDFC) using multi-stage random sampling technique through a structured questionnaire. The study employed various statistical tools such as Percentage Analysis for demographical information, bank variables, and the CRM parameters. Mean Ranks for ranking the items and Reliability Analysis applied for obtaining reliable variables in constructing the CRM parameters. Exploratory Factor Analysis (EFA) was performed to identify highly influenced factors of CRM practices to improve level of satisfaction and loyalty in public and private banks. The explored results enlighten directions to the banking sector to provide some operational implications such as proactive involvement from personnel, and customized outreach in engaging customers to reduce the negative word-of-mouth (WOM) and increase the productivity of banks positively. These significant CRM strategies will reduce the attrition rate and improves customer retention in future.

Relationship between CSR motivations and corporate social performance: a study in the power industry in India

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Moumita Acharyya ◽  
Tanuja Agarwala
Keyword(s):  
Public Sector ◽  
Private Sector ◽  
Corporate Social Performance ◽  
Social Performance ◽  
Power Sector ◽  
Public And Private ◽  
Content Type ◽  
The Public ◽  
Self Interest ◽  
Public And Private Sector

PurposeThe paper aims to understand the different motivations / reasons for engaging in CSR initiatives by the organizations. In addition, the study also examines the relationship between CSR motivations and corporate social performance (CSP).Design/methodology/approachThe data were collected from two power sector organizations: one was a private sector firm and the other was a public sector firm. A comparative analysis of the variables with respect to private and public sector organizations was conducted. A questionnaire survey was administered among 370 employees working in the power sector, with 199 executives from public sector and 171 from private sector.Findings“Philanthropic” motivation emerged as the most dominant CSR motivation among both the public and private sector firms. The private sector firm was found to be significantly higher with respect to “philanthropic”, “enlightened self-interest” and “normative” CSR motivations when compared with the public sector firms. Findings suggest that public and private sector firms differed significantly on four CSR motivations, namely, “philanthropic”, “enlightened self-interest”, “normative” and “coercive”. The CSP score was significantly different among the two power sector firms of public and private sectors. The private sector firm had a higher CSP level than the public sector undertaking.Research limitations/implicationsFurther studies in the domain need to address differences in CSR motivations and CSP across other sectors to understand the role of industry characteristics in influencing social development targets of organizations. Research also needs to focus on demonstrating the relationship between CSP and financial performance of the firms. Further, the HR outcomes of CSR initiatives and measurement of CSP indicators, such as attracting and retaining talent, employee commitment and organizational climate factors, need to be assessed.Originality/valueThe social issues are now directly linked with the business model to ensure consistency and community development. The results reveal a need for “enlightened self-interest” which is the second dominant CSR motivation among the organizations. The study makes a novel contribution by determining that competitive and coercive motivations are not functional as part of organizational CSR strategy. CSR can never be forced as the very idea is to do social good. Eventually, the CSR approach demands a commitment from within. The organizations need to emphasize more voluntary engagement of employees and go beyond statutory requirements for realizing the true CSR benefits.

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