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The objective of this paper is to explore the factors influencing personal bankruptcy among youth in Malaysia. This paper intended in creating more awareness and give more information to Malaysian about the importance of personal insolvency is due to the increasing of personal insolvency cases from year to year especially in 2016, 2017, and 2018 which involves 290,001, 300,958, and 303,415 cases. Some Malaysian have issues in financial literacy and it will lead to growth in personal bankruptcy cases if there is less initiative to avoid it. Other than that, the objectives of this paper are to discover whether a Non-Performing Loan, unemployment rate, and per capita income affect the bankruptcy cases in Malaysia. This paper using secondary data analysis using time series data yearly starting from 1985 until 2017 and it is consisting of thirty-three observations. The result showed Non-Performing Loan and per capita income are positively significant with personal bankruptcy while positively insignificant with the unemployment rate.

The service industry is currently presenting significant hurdles for small and medium enterprises (SMEs) in their pursuit of sustainable competitive advantage (SCA), mostly due to the prevalence of homogenous products and services within this sector. This element has resulted in heightened competition and rivalry among them. This study introduces the "IKIT" framework, which examines the relationship between information management, knowledge management, innovation, technology, and the sustainable competitive advantage of small and medium-sized enterprises (SMEs) in Malaysia. The purpose of this research is to investigate this topic. In anticipation of the year 2050, it is projected that Malaysia would achieve a level of development comparable to other nations, particularly in the context of the fourth industrial revolution (IR 4.0). The vast amount of information that is readily accessible presents prospects for its utilization in the development of novel products and services. In contemporary times, the prevalence of information and communication technology (ICT) and rapid technical progress has led to a significant reliance on electronic means for conducting business. This strategic approach is adopted by organizations to maintain a competitive edge and distinguish themselves from their rivals. However, it should be noted that despite the abundance of resources, not all businesses, particularly small and medium-sized enterprises (SMEs), possess the necessary competences to effectively manage these resources. Capability refers to the inherent capacity possessed by small and medium-sized enterprises (SMEs) to effectively utilize their available resources in order to accomplish their intended objectives. The findings indicate that the strategic competitive advantage (SCA) of small and medium enterprises (SMEs) is highly influenced by their knowledge capability, innovation capability, and technological capability.

This study focused on the reaction of listed commercial banks in Bursa Malaysia share prices on dividend for the year 2011. Empirical evidence from nonfinancial firms suggests that dividend announcements affect the share price and typically shows that dividend changes should be followed by stock price changes in the same direction. However, in most of past research, banking institutions are excluded with the reason that they are unique and highly regulated. Therefore, it is important for this study to seek further evidence to support existing research made that dividend announcement do affect the share price. This research employs a standard event study methodology to further analyse the effect of dividend announcement of 1 year share prices on eight listed local banks in Bursa Malaysia for the year 2011. In line with the results of prior literature, this study found that dividend announcement had no significant effect to the share prices in the banking industry in Bursa Malaysia for the year 2011. Therefore, it is suggested that the time horizon should be increased over a period of few years to ensure the accuracy of the result.