2026-06-13T11:43:19Z https://meral.edu.mm/oai

oai:meral.edu.mm:recid/00010550 2024-12-27T09:04:30Z 1582963436320 1582963436320:1582965701379

Factors Influencing Financial Behavior of Employees at AYA Bank (Moe Thandar Hein, 2024) Moe Thandar Hein The objective of the study is to examine factor influencing financial behavior of employees at AYA Bank and to analyze the effect of financial behavior on financial well being of employees at AYA Bank. In order to accomplish the objective of the study, both primary data and secondary data were used. The primary data were collected from 296 employees of 1,130 in AYA Bank Yangon branches with simple random sampling. The secondary data are collected from previous research paper, internet websites, published journals and relevant text books. The study used a descriptive and quantitative research method. Both primary and secondary data were applied in this study. According to the analysis, the influencing factors of financial behavior are financial literacy, financial attitude, financial knowledge and self-control. Overall mean scores high in financial attitude, literacy, and knowledge, self-control scores are slightly lower. These factors together support their financial stability. Employees perception is to prioritize tracking expenses and saving for emergencies, with moderate adherence to budgeting, indicating room for improvement in financial behavior. Employees feel secure in their finances and confident in handling emergencies, though comfort with daily living expenses shows potential for improvement. As the regression analysis financial literacy and financial knowledge had the most significant impact on financial behavior. Financial attitude and self-control had small effects on financial behavior. And as the multiple regression analysis financial behavior has significant positive effect on the financial well-being of employee at AYA Bank. This study suggests that enhancing employees’ financial literacy and financial knowledge through structured training can significantly improve their financial behavior and well-being. AYA Bank should consider implementing personalized financial planning workshops that cost, debt management, saving and investment skills. Regular evaluations of employees’ financial behaviors should allow AYA Bank financial wellness programs, by ensuring they effectively support employees in achieving long-term financial stability. 2024-10-01 https://meral.edu.mm/records/10550