Systematic literature review of the determinants of financial stress among urban civil service employees

This systematic literature review examines the determinants of financial stress among urban civil service employees using the PRISMA framework. Ten peer-reviewed articles published between 2018 and 2025 were analysed from databases such as Scopus and Web of Science. Eligibility was limited to English-language studies focusing on financial stress within urban civil service employment. The review highlights three main determinants: high cost of living, lack of workplace support, and personal debt. The findings provide insights for policymakers, government agencies and support organisations to design strategies that improve financial well-being, job performance and overall quality of life for civil servants.