{"_buckets": {"deposit": "9a3a0246-649d-4c23-b43a-6a0b47c5fcad"}, "_deposit": {"created_by": 143, "id": "12315", "owner": "143", "owners": [143], "owners_ext": {"displayname": "", "username": ""}, "pid": {"revision_id": 0, "type": "depid", "value": "12315"}, "status": "published"}, "_oai": {"id": "oai:meral.edu.mm:recid/00012315"}, "author_link": [], "item_1583103067471": {"attribute_name": "Title", "attribute_value_mlt": [{"subitem_1551255647225": "FACTORS AFFECTING TO  PERSONAL FINANCIAL MANAGEMENT BEHAVIORS  IN MYITKYINA TOWNSHIP", "subitem_1551255648112": "en"}]}, "item_1583103085720": {"attribute_name": "Description", "attribute_value_mlt": [{"interim": "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\nknowledge, 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 \nsubstantial in the areas of investment diversification, awareness of credit, and price-\nsensitive 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."}]}, "item_1583103108160": {"attribute_name": "Keywords", "attribute_value_mlt": [{"interim": "behavior"}, {"interim": "personal financial"}, {"interim": "Demographic"}]}, "item_1583103120197": {"attribute_name": "Files", "attribute_type": "file", "attribute_value_mlt": [{"accessrole": "open_access", "date": [{"dateType": "Available", "dateValue": "2026-01-12"}], "displaytype": "preview", "download_preview_message": "", "file_order": 0, "filename": "2MPA26 Kyaw Swar Win_Factors affecting to personal financial management behaviors in Myitkyina Township 2025.pdf", "filesize": [{"value": "800 KB"}], "format": "application/pdf", "future_date_message": "", "is_thumbnail": false, "licensetype": "license_0", "mimetype": "application/pdf", "size": 800000.0, "url": {"url": "https://meral.edu.mm/record/12315/files/2MPA26 Kyaw Swar Win_Factors affecting to personal financial management behaviors in Myitkyina Township 2025.pdf"}, "version_id": "adcb9b13-b0d1-49ee-baba-92e2c472271a"}]}, "item_1583103233624": {"attribute_name": "Thesis/dissertations", "attribute_value_mlt": [{"subitem_awarding_university": "UNIVERSITYOF CO-OPERATIVE AND MANAGEMENT,SAGAING"}]}, "item_1583105942107": {"attribute_name": "Authors", "attribute_value_mlt": [{"subitem_authors": [{"subitem_authors_fullname": "Kyaw Swar Win"}]}]}, "item_1583108359239": {"attribute_name": "Upload type", "attribute_value_mlt": [{"interim": "Publication"}]}, "item_1583108428133": {"attribute_name": "Publication type", "attribute_value_mlt": [{"interim": "Thesis"}]}, "item_1583159729339": {"attribute_name": "Publication date", "attribute_value": "2025-06-02"}, "item_title": "FACTORS AFFECTING TO  PERSONAL FINANCIAL MANAGEMENT BEHAVIORS  IN MYITKYINA TOWNSHIP", "item_type_id": "21", "owner": "143", "path": ["1607960099348", "1608034815190"], "permalink_uri": "https://meral.edu.mm/records/12315", "pubdate": {"attribute_name": "Deposit date", "attribute_value": "2026-01-12"}, "publish_date": "2026-01-12", "publish_status": "0", "recid": "12315", "relation": {}, "relation_version_is_last": true, "title": ["FACTORS AFFECTING TO  PERSONAL FINANCIAL MANAGEMENT BEHAVIORS  IN MYITKYINA TOWNSHIP"], "weko_shared_id": -1}