The Moderating Effects of Financial Literacy on Intention Towards Indebtedness Amongst Government Servants: A Proposed Framework
Keywords:
Indebtedness, Government Servants, Financial literacyAbstract
This paper, which is conceptual in nature, discusses the moderating effects of the relationship between several factors that may affect the intention towards indebtedness among government servants. The proposed variables under examination are attitude towards indebtedness, lifestyle and religious obligations while financial literacy serve as a moderator variable. If validated, the work would be used as a reference to the government, policy makers, regulators practitioners and other stakeholder curbing the adverse of financial illiteracy in Malaysia.
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