Predicting debt burden status among Malaysia civil servants | Zendy

Mohamad Fazli Sabri | Zendy; Nuranini Abdullah | Zendy; Husniyah Abdul Rahim | Zendy; Mohamad A. Othman | Zendy; Ahmad Hariza Hashim | Zendy

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Predicting debt burden status among Malaysia civil servants

Author(s) -

Mohamad Fazli Sabri,

Nuranini Abdullah,

Husniyah Abdul Rahim,

Mohamad A. Othman,

Ahmad Hariza Hashim

Publication year - 2019

Publication title -

journal of emerging economies and islamic research

Language(s) - English

Resource type - Journals

ISSN - 2289-2559

DOI - 10.24191/jeeir.v7i3.6243

Subject(s) - civil servants , debt , logistic regression , sample (material) , inflation (cosmology) , debt ratio , business , civil servant , demographic economics , economics , finance , political science , medicine , politics , law , chemistry , physics , chromatography , theoretical physics

Article history: Received 9 June 2018 Received in revised form 11 July 2018 Accepted 3 August 2019 Published 30 September 2019 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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