2026-04-04T04:26:43Z https://meral.edu.mm/oai

oai:meral.edu.mm:recid/00012315 2026-01-12T07:27:43Z 1607960099348 1607960099348:1608034815190

FACTORS AFFECTING TO PERSONAL FINANCIAL MANAGEMENT BEHAVIORS IN MYITKYINA TOWNSHIP Kyaw Swar Win Financial responsible conduct in financing behavior is key to financial wellbeing, particularly in government officials based in Myitkyina Township with fixed and restricted income levels. This study aims to analyze the personal financial knowledge, financial attitude and income level effect financial management behavior. Data were collected from 189 government employees randomly selected from five departments. Descriptive statistics and multiple linear regression analysis were employed to investigate interrelations among the variables. Key findings revealed that both financial attitude and financial knowledge are strong predictors of financial management behavior, though financial knowledge slightly outperforms. There were good saving and budgeting practices among participants, but knowledge gaps were substantial in the areas of investment diversification, awareness of credit, and price- sensitive spending. Demographic analysis further revealed that the majority of respondents were secondary income-generating, mid-career professionals, reflective of adaptive financial strategies. The study recommends evidence-based financial education interventions, employer-provided financial literacy courses, and promoting long-term planning tools such as pensions and mutual funds. The interventions could be used to enhance financial resilience as well as prepare government employees to make strategic and informed financial decisions. This study provides policy-makers and schools of education with evidence-based advice on how to promote sustainable financial behavior in public sector environments. 2025-06-02 https://meral.edu.mm/records/12315