Personal Financial Knowledge and Attitude towards Credit Card Practices among Working Adults in Malaysia
Zuroni Md Jusoh, Lim Yen Lin

Abstract
The objective of this study aims to identify the personal financial knowledge and attitude towards credit card practices among working adults in Ipoh, Perak. This study also identifies respondents' gender, education level and monthly income towards credit card practices. There were 100 people being chosen to be the respondent of this study by the simple random sampling method. The results which were being tested by using t-test showed that there were no significant differences in credit card practices between male and female working adults (t = 1.034, p = 0.304). In addition, the analysis which were being tested by using one-way ANOVA showed that there were significant differences in credit card practices between education levels (F = 2.415, p = 0.042), while there were no significant differences in credit card practices between monthly income (F = 1.303, p = 0.275). In addition, the findings which were being tested using Pearson correlation showed that there was no significant relationship between personal financial knowledge and credit card practices (r = 0.143 p = 0.156) and also there was no significant relationship between attitude and credit card practices (r = -0.139, p = 0.168). Therefore, this study concludes that gender, monthly income, personal financial knowledge and attitude influencing the credit card practices among working adults in Ipoh. Meanwhile, only education level influencing the credit card practices among working adults in Ipoh. To get better and accurate results, future research should increase sample size to a bigger geographic areas and larger sample and it is recommended to determine other factors which might affect credit card practices among working adults. Future research should focus on developing a consistent measure of financial knowledge and attitude and also examine the relationship between personal financial knowledge and a variety of personal attitudes other than credit card usage.

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