Relationship Between Migration Characteristics, Attitude to Money, Financial Anxious and Intentions to Work Unlawful in Foreign Country: Case in Vietnam

Vietnamese people involved in illegal work abroad have received worldwide attention in recent times. Studies that explore the causes of this fact are mainly qualitative. This study applies a quantitative research method to clarify the relationship between emigration personality, Attitude towards money, financial anxiety, and intention to engage in illegal labour to fill that overseas gap law of Vietnamese people. This study was conducted through a cross-sectional survey using a targeted sampling technique of 400 study participants. The SEM model is used to test the hypotheses posed, and the research results through the model show that: (i) Migration personality has a positive and significant impact on attitudes about money; (ii) Financial anxiety and intention to engage in illegal work abroad; (iii) Attitudes towards money positively and significantly affect intention to engage in illegal work abroad; (iv) Financial anxiety has a positive and significant impact on intention to engage in illegal work in the country; (v) There exists a positive and significant relationship between emigration personality and attitudes towards money; Attitude towards money with financial anxiety; Financial anxiety about the intention to engage in illegal work abroad. The conclusions of this study provide valuable data for government policymakers.

The effect of money attitude, subjective norm, perceived behavioural control, and perceived risk on millennial’s saving intention

The Theory of Planned Behaviour (TPB) has been widely applied in the financial sector. However, no research has investigated the moderating role of financial literacy in saving intention. This study investigates the moderating role of financial literacy in the partial influence of money attitude, subjective norms, perceived behavioural control, and perceived risk on saving intention. According to the Moderated Regression Analysis (MRA) findings, financial literacy moderated the effect of money attitude, subjective norms, and perceived behavioural control on saving intention. On the other hand, financial literacy has not mitigated the effect of perceived risk on saving intention. These findings validate TPB's application in the financial sector by incorporating moderating role of financial literacy. It is also discovered that the millennial generations who participate in this study have good financial literacy.

Gauging the ethical sensitivity of accounting students: the effect of money attitudes

Purpose This paper aims to examine the attitude of accounting students towards money and their ethical perceptions, and ascertains whether ethical perception of students could be influenced by their attitudes towards money. Design/methodology/approach A survey method of research was adopted, and a set of questionnaires based on the money ethic scale (MES) and existing ethical scenarios was administered to the target respondents. The MES was subjected to an exploratory factor analysis to examine its dimensionality and, by means of a cluster analysis, the respondents were classified based on similarities in attitude towards money. The relationship between attitude towards money and ethical perception was ascertained by means of a multivariate analysis of variance (MANOVA) test. Findings The results suggest the respondents are generally ethically oriented and that the females are more ethical than males. Differences exist in terms of the attitude of respondents towards money and the MANOVA results show that money attitudes are good predictors of ethical perceptions of students. Research limitations/implications Findings of this study demonstrate that an understanding of individuals' attitude towards money may be an important way of predicting how they will behave when faced with ethical dilemmas. Originality/value The analysis makes an important contribution to prior literature by highlighting the effect of money attitude on ethical perception.

The Influence of Financial Well-Being, Financial Literacy, Financial Capability, and Money Attitude on Local Farmers’ Attitude in Using Agricultural Banking Service in Blitar Regency, Indonesia

The purpose of this research is to generate the correlation between several variables of financial perceptions which consist of financial well-being, financial literacy, financial capability, and money attitude towards local farmers’ attitude in using agricultural banking services in Blitar Regency. This research uses the theory which stated that financial perception has direct influences on the individual financial attitude. A total of 502 sample which includes local farmers in Blitar Regency were selected through a systematic random sampling technique. The instruments of this study using previous questionnaire that have been adjusted in terms of language and evaluated by using reliability testing. The output from data collection were analysed using multiple linear regression technique. The findings indicate that there is a high and positive linear relation ship between financial well-being, financial literacy, money attitude, and local farmers’ attitude in using agricultural banking services in Blitar Regency. On the other hand, financial capability variable indicates unsignificant relationship with local farmers’ attitude in using agricultural banking services. The findings also proved that the combination of predictor variables of financial perception contributed significantly to the local farmers attitude in using agricultural banking services in Blitar Regency. This study suggested that the manager of Blitar Raya Agricultural Bank should focus more in developing the local farmers’ knowledge in terms of the importance of financial well-being, the level of financial literacy, and money attitude by changing the curriculum of bi-weekly workshop which supported by several material related with financial knowledge.

Analysis of Consumer Well-Being with Reference to Materialism and Money Attitude

Considering the increasing consumer demand and increasing pressure for having more and more money to fulfill that desire for consumption of material goods, the present study explored materialism and money attitude on consumer well-being. A selfadministered questionnaire survey was used to collect primary data. A step-wise linear regression model was used to test materialism and money attitude on consumer well-being. Materialism negatively affected consumer well-being; dimensions of money attitude were not significantly affecting consumer well-being. Materialism and money attitude together determined the consumer well-being.

Defining the Area of Knowledge for Financial Literacy: The Influence of Financial Courses on Materialism

Numerous studies have foundthatfinancial literacy may assist in averting irresponsible spending that linked to materialistic values. However, the area of knowledge that delivers financial literacy varies among studies. The study determines whether credit hours of financial courses,namely, economics, finance and accounting, affect materialism. Consequently, three moderator variables namely gender, year of study and financial sponsorship, were added into the analysis. A survey was conducted on 1022 business undergraduates in Universiti Pendidikan Sultan Idris using money attitude scales as a proxy to measure materialism. Findings indicate that there werenodirectcorrelations between credithoursof financial courses cumulatively or individually, with materialism scores. However, when the year of studyvariable,specifically fourth-year students category, wasinserted as a moderating effect, all three financial courses credit hours were found to be negatively correlatedwith materialism score. The findings demonstrate that accounting courses credit hours affect all materialism dimensions. Meanwhile, three and two materialism dimensions negatively correlated with economic and finance courses, respectively. It indicates that final year students materialistic values lessen as particular financial courses credit hours increased. The findings may provide input to financial literacy modules to mitigateyoung-executive debt crises.

Money Attitude and Socio-Demographic Factors as Determinants of University Students’ Spending Behavior in Shah Alam, Malaysia

ABSTRACTNowadays, uncontrollable spending habit towards Malaysian young generations are becoming progressively. They have a tendency to have less value of money compared to the elder generations in spending their money. Since the cost of living in Malaysia has improved remarkably, the young generations enjoyed spending their money heavenly, therefore Malaysia faced changes in lifestyle and spending trend. This study proposes to investigate the relationship between money attitude and socio-demographic as determinants of college students’ spending behaviours. As such, the correlation between money attitude factors (power-prestige, distrust, retention-time and anxiety) and spending behaviours among Malaysian college students is a topic worthy of further exploration. At the same time, this study also attempts to explore whether college students’ spending behaviours are affected by their socio-demographic factors such as gender, age. The sample of this study consists of 176 students from three different universities in the Shah Alam area i.e University Selangor (UNISEL), University Management Science (MSU) and Universiti Teknologi Malaysia (UiTM). The regression analysis showed that there were only two factors of money attitude (power-prestige, and anxiety) that had a significant effect on spending behaviour among these universities’ students. However, from the analysis, it can be revealed that none of the socio-demographic factors had a significance (more than 0.05) towards the spending behaviour of the students. Thus, age (positive result) is the most influenced factor of the students’ spending behaviour. Consequently, several suggestions have been put forward and hoped that it will assist students in managing their fund effectively

Factors Influencing Financial Planning for Marriage amongst Young Malaysian Couples

Financial planning for marriage contributes to happier, more satisfying and longer-lasting unions. However, there is increasing evidence that young Malaysian couples are burdened by excessive debts and have a tendency to overspend on their wedding. Based on the Theory of Planned Behaviour, the current study investigates key factors — financial literacy, attitude towards money, attitude towards debt, financial goals and social influence — that are likely to influence the degree of financial planning for marriage undertaken by married and soon-to-be-married couples. The study also examines the mediating role of financial literacy on the relationships between the aforementioned key factors and financial planning for marriage. The study collected data from a sample of 201 respondents recruited via purposive sampling and used a bootstrapped partial least squares structural equation modelling (PLS-SEM) approach for data analysis. The results showed that (i) financial literacy positively influences financial planning for marriage; (ii) attitude towards money, financial goals and social influence positively influence both financial literacy and financial planning for marriage; (iii) attitude towards debt has a negative influence on financial planning for marriage but no influence on financial literacy; and (iv) financial literacy has a mediating effect. The findings highlight the importance of financial counselling, education as well as discipline in bringing about successful marriages.

THE INFLUENCE OF COMMUNICATION PATTERN AND FINANCIAL WELL BEING ON MONEY ATTITUDE OF MARRIED COUPLES - A RESEARCH ANALYSIS

The research paper studies the influence of Communication Pattern (Independent variable 1) and Financial Well Being (Independent Variable 2) on the Money Attitude (Dependent Variable) of married couples at Coimbatore city. Incorporating descriptive research as the research design, the study used survey method sourcing primary data from 500 respondents (250 couples). Married couples in Coimbatore City were the population of the study and the period of the study was from June 2018- Oct 2020. Regarding instrumentation, for Communication Pattern Questionnaire of Christensen and Heavey (1990) with 11 items and Money Attitude Questionnaire by Kent T. Yamauchi and Donald I. Templer (1982) with 29 were used. Due to the non availability of a comprehensive Indianised scale, the researcher constructed a scale for Financial Well Being.Regression Analysis was conducted to test the null hypothesis and the results revealed that there is a significant influence of Communication Pattern and Financial Well Being on Money Attitude.