IMPACT OF PERSONAL FINANCIAL BEHAVIOR ON JOB PRODUCTIVITY

This paper presented direct effects and indirect effects on job productivity. Determinants that had either a direct or indirect effect on job productivity were financial management, financial stress level, financial problem, and financial behavior. A total of 2000 respondents, were selected using multi-stage sampling technique among employees in public and private sectors in the study. Structural Equation Modeling (SEM) was conducted by using AMOS 16.0 to assess factors effects on job productivity. The results of this study can be used for better understanding on the relationships between and among determinants of job productivity by highlighting the relationships among financial problem, financial behaviors, financial stress, and financial management. This research found that financial problem will lead to financial stress and further affect job productivity negatively. These results depict the general concern of managers for low employee productivity is due to high financial stress of employee. Moreover the concern over financial problems and productivity is critical due to the increased financial difficulties and uncertainty in the workplace. Further, the research findings of this study specifically revealed that individuals who exhibit lower financial problem tend to have lower financial stress, and therefore, higher workplace productivity. This observed evidence should be utilized by human resource managers, employers, and employees to encourage the development of financial education within the private and public corporate.

کلیدواژه ها:

financial problem ، financial management ، employee ، workforce ، productivity