Determinants of debt management among fresh graduates

Nurul Atahsa Shahira Masrom, and Iffatul Widad Mohd Fauzi, and Nurul Fazira Mohd Nazri, and Masnita Misiran, and Zahayu Md Yusof, (2022) Determinants of debt management among fresh graduates. Journal of Quality Measurement and Analysis, 18 (2). pp. 65-73. ISSN 1823-5670


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Fresh graduates in Malaysia appear to be overwhelmed by money, falling into debt, and jeopardizing their financial contentment. In this study, we aim to identify the determinant of debt management among fresh graduates and the relationship between debt management and gender, ethnicity, education loan, car, saving ratio, debt to income ratio, and financial skills by using multiple regression analysis. Finding suggests that fresh graduates with good financial skills are more likely to have good debt management, and women are found to manage debt better than men, thus the need to include financial education at the university level to prepare this age group before they enter the job market.

Item Type:Article
Keywords:Debt management; Fresh graduate; Financial skills
Journal:Journal of Quality Measurement and Analysis
ID Code:20012
Deposited By: ms aida -
Deposited On:28 Sep 2022 00:48
Last Modified:04 Oct 2022 00:56

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