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Demographic Factors

- Age
- Gender
- Civil Status Financial Literacy
- Degree Background
- Occupation - Formal Instructor
- Disposable Income - Formal Education
- Formal Training

Financial Behavior Financial Attitude


Financial Knowledge - Financial Responsibility
- Investment Literacy - Basic Money Management
- Savings and Investment - Attitude towards Financial
(Savings - and Investment) Records and Transactions
- Basic Financial Knowledge Behavior
- Expense Tracking - Expenditure Awareness
- Banking Fundamentals - Financial Controlling
- Financial Technology - Financial Management
Behavior - Readiness to utilize
- Understanding and Solving Financial Knowledge and
Financial Problems - Long-term and Short-term
Planning and Managing Skills in Financial Situations

Financial Literacy

Financial Well-being

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