Financial Well-Being Among Serious Pecuniary Indebtedness Civil Servants at the Ministry of Education Malaysia (MOE)

Serious pecuniary indebtedness has become a taxing phenomenon, even among civil servants. This research intended to identify the level and relationship of the financial well-being of civil servants who experience serious pecuniary indebtedness in the Ministry of Education Malaysia (MOE). The study sample consisted of 635 respondents, including officers and members of the implementation group (AKP). Financial well-being instrument (Abd Rahim, 2018) were used to measure the study variables. The instrument had a Cronbach’s alpha reliability of .89. The study’s data confirmed that the percentage for the financial well-being covering subdimensions knowledge, thought, and behaviour was at a high level. On the contrary, the percentage for the emotional subdimensions was at a moderate level. The study’s conclusions also unearthed no significant difference between financial well-being by gender and marital status reported. However, a significant difference was recorded between financial well-being based on the highest academic qualifications. The researcher also recommended interventions to ensure financial well-being, such as holding psycho-educational programs, guidance programs, and module construction in future studies.