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Predicting debt burden status among Malaysia civil servants


Sabri, Mohamad Fazli and Abdullah, Nuraini and Abdul Rahim, Husniyah and Yusof, Radduan and Othman, Mohd. Amim and Hashim, Ahmad Hariza (2019) Predicting debt burden status among Malaysia civil servants. Journal of Emerging Economies and Islamic Research, 7 (3). pp. 1-11. ISSN 2289-2559


The pressure of high inflation rate and increased cost of living has invoked the concerns over the problem of debt among civil servants in Malaysia. This paper aims to investigate the determinants of debt burden status within a civil servants’ sample. Questionnaires were distributed using a multi-stage random sampling method. A total of 600 responses were collected. Results from logistic regression showed several significant predictors of debt burden status, namely savings to income ratio, financial status, and income adequacy. This study outlined the predictors of debt burden status among Malaysian civil servants, providing civil servants with some ideas to counter debt issues which have been prevalent for a long time.

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Additional Metadata

Item Type: Article
Divisions: Faculty of Human Ecology
Publisher: UiTM Press
Keywords: Debt burden; Savings ration; Financial status; Income adequacies
Depositing User: Ms. Nida Hidayati Ghazali
Date Deposited: 07 Oct 2020 06:52
Last Modified: 07 Oct 2020 06:52
URI: http://psasir.upm.edu.my/id/eprint/81779
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