Financial Stability and Payment Systems Report of the Bank Negara Malaysia reported that household debt grew by 5.4% to RM1.09 trillion from a year earlier. Notably, households merely borrow or use credit for purchasing in order to smoothen their consumption. Less secure and vulnerable current, and retirement stages would be the result among public employees in Malaysia due to high household debts. Enhancing trend of better financial management practices is essential, especially for working employees due to the increased levels of existing personal indebtedness, and increasing focus on personal responsibility for financial planning among them. Nowadays, employee's role in managing their finances is becoming complex due to experiencing with the complexity of financial commodities in the marketplace. Therefore, studying of the determinants of employees' financial well-being (FWB) among employees in Malaysia is the major objective of this research. The sample of 590 employees in the public sector from four states was selected by applying multi stage sampling technique. The data gathering was accomplished using a self-administered questionnaire. According to the regression analysis, contribution of the variables to the model was 32.3%. Money attitude, financial practices, self-efficacy, and emotion coping had conspicuous contribution to FWB, while financial practices were identified as the key performing aspect to FWB. The findings of this study are beneficial to the government, and Non-Governmental Organizations (NGOs) to create a comprehensive approach specially to advance the living standards, and enhance the FWB of the lower-household income cluster of employees. More comprehension about the determinants of FWB plays a vital role to support workers to equip with financial prudence, and in the longrun would minimize the rate of Malaysian workers with financial difficulties.

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Financial health is defined as the ability to manage spending, plan for and recover from financial shocks, have minimum debt, and develop wealth; however, the antecedents to this vital idea are inconsistent. As a result, the study's main goal is to reveal the antecedents, and their direct and indirect consequences on people's financial health. Malaysian households were chosen using the multi-stage random sampling procedure, and a questionnaire survey was conducted. According to PLS-SEM analyses, only financial behavior, and money attitudes had a direct influence on financial health, and accounted for 46.7% of the total variance in financial health. Surprisingly, all three antecedents had a favorable impact on individual financial health through their money attitudes. Furthermore, all three antecedents revealed substantial, and positive correlations with money attitudes, explaining 45.6% of the overall variance. The current study contributed to filling research gaps on the factors that influence money attitudes, and financial health, guiding policymakers in their efforts to improve people's financial health through effective policy implementations.

The main objective of this study is to investigate the associations between financial knowledge, locus of control (LOC) and perceived financial wellbeing (FWB) with financial behaviour as a mediator among young adults from low-income households in Malaysia, controlling for education and income. The sample of this study consisted of 482 young adults from five different zones in Peninsular and East Malaysia, which were selected using a multi-stage sampling technique. Data were collected using a set of questionnaire-based surveys. The data were then analysed using Covariance Based Structural Equation Modelling (SEM). The study found that financial knowledge and external LOC as well as financial behaviour were significantly correlated with the perceived FWB of low-income young adults in Malaysia. The results also revealed that financial behaviour mediates the influence by financial knowledge and internal LOC on perceived FWB controlling for education and income. The findings of this study provide insights into the factors of perceived FWB of low-income young adults in Peninsular and East Malaysia. Policymakers, government and non-government organisations may utilise this study to develop new policies, financial programmes or campaigns to enhance the FWB of low-income young adults in Malaysia.

The continuous activities of productions and consumptions can help the economic growth of a country. However, excessive spending by consumers who want to keep up with various productions of goods and services can eventually be harmful as for their financial and psychological well-being. This study aims to determine the effect of personality traits (Big-Five), materialism and stress on Malaysian generation Y compulsive buying behaviour. Self-administered questionnaires were distributed to the respondents which were drawn using systematic random sampling. The findings demonstrated that agreeableness, neuroticism and materialism have significant effects on Malaysian generation Y compulsive buying behaviour, where materialism is the strongest predictor among all variables tested. The results indicated that individuals' compulsive buying behaviour in this context of study was mainly affected by their activities to engage in the development and maintenance of self through the acquisition and use of products and services that are believed to be able to provide desirable symbolic value. This study is expected to contribute in the field of consumer behaviour and Malaysian generation Y literature as it attempts to integrate three important variables that can affect compulsive buying behaviour which is personality traits (Big-Five), materialism and stress.