Are our children financially illiterate? The case in Kedah

Main Article Content

Hasniza Mohd Taib
Rusmawati Ismail
Logasvathi Murugiah
Shri Dewi Applanaidu
Muhamad Noor Habibi B. Hj. Long


The main objective of this paper is to identify the level of children financial literacy in Kedah and analyze the significant factors that influenced their level of financial literacy. This study surveyed 320 primary school students in Kedah, aged from 7 to 12 years old using mixed method. Results shows that children in Kedah is financially literate. Besides that, there are significant different in children financial literacy according to their parent education level, parental income, student class group and school location. Based on regression results, showed that saving behavior, spending behavior, peer role, school involvement, parent role, and technology are significantly influence children financial literacy.

Article Details

How to Cite
Taib, H. M., Rusmawati Ismail, Murugiah, L., Applanaidu, S. D., & Long , M. N. H. B. H. (2023). Are our children financially illiterate? The case in Kedah. Open Journal of Science and Technology, 5(1), 53–69.
Author Biographies

Hasniza Mohd Taib, College of Business, Universiti Utara Malaysia, 06010, Kedah, Malaysia

Universiti Utara Malaysia, 06010, Kedah, Malaysia

Rusmawati Ismail, College of Business, Universiti Utara Malaysia, 06010, Kedah, Malaysia

Universiti Utara Malaysia, 06010, Kedah, Malaysia

Logasvathi Murugiah, College of Business, Universiti Utara Malaysia, 06010, Kedah, Malaysia

Universiti Utara Malaysia, 06010, Kedah, Malaysia

Shri Dewi Applanaidu, College of Business, Universiti Utara Malaysia, 06010, Kedah, Malaysia

Universiti Utara Malaysia, 06010, Kedah, Malaysia

Muhamad Noor Habibi B. Hj. Long , College of Business, Universiti Utara Malaysia, 06010, Kedah, Malaysia

Universiti Utara Malaysia, 06010, Kedah, Malaysia


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