Factors influencing the personal financial planning : a study among the government servant at Kota Bharu / Muhammad Zainal Ab Rahman

This study attempts to determine the factors that influencing the personal financial planning among the government servant at Kota Bharu. This study uses primary and secondary data. 100 questionnaires was distributed to the different government organization at Kota Bharu The data collected was then tested on the multiple regression analysis and then were use to test the hypothesis in this study. The researcher also measure how the several demographic factors can contribute to have a proper personal financial planning. The factors are gender, age, marital status, and education level. Besides that, the financial literacy also become independent variable in this study and it has a positive relationship with the personal financial planning. From this research, it’s revealed what is the most influence the personal financial planning. Researcher also suggests some recommendation to the government servant as the respondents, the government its-self and the future researchers