TPM – Testing, Psychometrics, Methodology in Applied Psychology - 2025 : Examining the Impact of Financial Behaviors and Concerns on Financial Health: A Study among IPMA Alumni

JAMALUDIN, AZAHARI and DERAMAN, ROSMAWATI and AHMAD SHAURI, NOOR AZURA (2025) TPM – Testing, Psychometrics, Methodology in Applied Psychology - 2025 : Examining the Impact of Financial Behaviors and Concerns on Financial Health: A Study among IPMA Alumni. TPM – Testing, Psychometrics, Methodology in Applied Psychology, 32 (S4). pp. 1869-1883. ISSN 1972-6325

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Abstract

This study examines the relationship between financial behaviours, financial concerns, and personal financial health among alumni of Institut Pendidikan MARA (IPMA). A structured questionnaire was developed based on focus group interviews and distributed to 401 respondents. Data were analysed using Structural Equation Modeling (SEM) with SmartPLS. The findings reveal that budgeting, saving, and impulse control significantly enhance financial health, while financial concerns partially mediate the relationship between saving and financial health. Financial knowledge and spending did not show a significant direct impact. The study highlights the importance of financial education and behavioural interventions to improve financial well-being among young adults.

Item Type:	Article
Uncontrolled Keywords:	Financial Health; Financial Behaviours; Financial Concerns; Budgeting; SmartPLS; IPMA Alumni
Subjects:	H Social Sciences > HG Finance
Divisions:	Institute of Graduate Studies (IGS)
Depositing User:	LIBRARY2 UPTM
Date Deposited:	29 Jul 2026 08:31
Last Modified:	29 Jul 2026 08:31
URI:	http://eprints.uptm.edu.my/id/eprint/5917

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