How to cite this paper
APA: Sabri, M., Wijekoon, R & Rahim, H. (2020). The influence of money attitude, financial practices, self-efficacy and emotion coping on employees’ financial well-being. Management Science Letters, 10(4), 889-900.
Chicago/Turabian: Sabri, M., Wijekoon, R & Rahim, H. 2020. "The influence of money attitude, financial practices, self-efficacy and emotion coping on employees’ financial well-being." Management Science Letters 10, no. 4 (2020): 889-900.
AMA: Sabri, M., Wijekoon, R & Rahim, H. The influence of money attitude, financial practices, self-efficacy and emotion coping on employees’ financial well-being. Management Science Letters. 2020;10(4):889-900.
References
A survey of adults in Australia. (2018). Financial wellbeing. ANZ Banking Group Limited.
Arendt, S., & Brettel, M. (2010). Understanding the influence of corporate social responsibility on corporate identity, im-age, and firm performance. Management Decision, 48(10), 1469-1492.
Bandura, A. (1977). Self-efficacy: Toward a unifying theory of behavioral change. Psychological Review, 84, 191-215.
Bandura, A. (1986). Social foundations of thought and action: A social cognitive theory. Englewood Cliffs, NJ: Prentice Hall.
Bandura, A. (1997). Self-efficacy: The exercise of control. New York: Freeman.
Borden, L. M., Lee, S., Serido, J., & Collins, D. (2008). Changing college students’ financial knowledge, attitudes and be-havior through seminar participation. Journal of Family and Economic Issues, 29, 23-40.
Bowman, D., Banks, M., Fela, G., Russell, R., & de Silva, A. (2016). Understanding financial wellbeing in times of inse-curity. Retrieved on 25/08/2019 from Brotherhood of St Laurence, Fitzroy, Australia: http://library.bsl.org.au/jspui/bitstream/1/9423/1/ Bowman_etal_ Understanding_financial_wellbeing_2017. pdf
Brougham, R. R., Zail, C. M., Mendoza, C. M., & Miller, J. R. (2009). Stress, sex differences, and coping strategies among college students, Current Psychology, 28, 85-97.
Cochran, P. L., & Wood, R. A. (1984). Corporate social responsibility and financial performance. Academy of Manage-ment Journal, 27(1), 42-56.
Consumer Financial Protection Bureau (CFPB). (2015). Consumer Response Annual Report.
Diener, E., Diener, M., & Diener, C. (1995). Factors predicting the subjective well-being of nations. Journal of Personali-ty and Social Psychology, 69, 851-864.
Doyle, D., & Forehand, M. J. (1984). Life satisfaction and old age: A re-examination. Research on Aging, 6, 432-448.
Falahati, L., & Paim, L. H. (2011). Gender differences in financial well-being among college students. Australian Journal of Basic and Applied Sciences, 5(9), 1765-1776.
Falahati, L., & Sabri, M.F. (2015). An exploratory study of personal financial well-being determinants: Examining the moderating effect of gender. Asian Social Science, 11(4), 33-42.
Farrell, L., Fry, T. R. L., & Risse, L. (2016). The significance of financial self-efficacy in explaining women’s personal fi-nance behavior. Journal of Economic Psychology, 54, 85-99.
Fox, J. J., & Bartholomae, S. (2008). Evaluation of the 2008 Women & Money Program. Retrieved on 25/08/2019 from http://www.osu.edu/search/index.php.
Friedman, M. (1957). A Theory of the Consumption Function. In M. Friedman (Eds.), The Permanent Income Hypothesis (pp. 20 - 37). Princeton University Press, ISBN 978-0-691-04182-7.
García de Leaniz, P. M., & Del Bosque Rodríguez, I. (2015). Exploring the antecedents of hotel customer loyalty: A social identity perspective. Journal of Hospitality Marketing & Management, 24(1), 1-23.
Gasiorowska, A. (2014b). The relationship between objective and subjective wealth is moderated by financial control and mediated by money anxiety. Journal of Economic Psychology, 43, 64-74.
Gasiorowska, A. (2015). The impact of money attitudes on the relationship between income and financial satisfaction. Polish Psychological Bulletin, 46(2), 197-208.
George, L. K. (1992). Economic status and subjective well-being: A review of literature and an agenda for future re-search. In N. E. Cutler, D. W. Gregg, & M. P. Lawton (Eds.), Aging, money, and life satisfaction: Aspects of financial gerontology (pp. 69-99). New York: Springer.
Godwin, D. D. (1996). Family finance and marital happiness. Paper presented at the Eastern Family Economics and Re-source Management Conference in Tuscaloosa, AL.
Gray, J. S. (1997). The fall in men’s return to marriage: Declining productivity effects or changing selection? Journal of Human Resources, 32, 481-504.
Gutter, M., & Copur, Z. (2011). Financial behaviours and financial well-being of college students: evidence from a Na-tional Survey. Journal of Family and Economic Issues, 32, 699-714.
Hadar, L, Sood, S., & Fox, C. R. (2013). Subjective knowledge in consumer financial decisions, Journal of Marketing Re-search, 50(3), 303-316.
Headey, B., Veenhoven, R., & Wearing, A. (1991). Top-down versus bottom-up theories of subjective well-being. Social Indicators Research, 24, 81-100.
Hira, T. K., & Mugenda, O. (1999b). The relationships between self-worth and financial beliefs, behavior, and satisfac-tion. Journal of Family and Consumer Sciences, 91(4), 76.
Joo, H., & Grable, J. E. (2004). An exploratory framework of the determinants of financial satisfaction. Journal of Family and Economic Issues, 25, 25-50.
Joo, S. (2008). Personal financial wellness. In J.J. Xiao (Ed.), Handbook of consumer finance research (pp. 21-33). New York: Springer.
Kamaruddin, A. R., & Mokhlis, H. (2003). Consumer socialization, social structural factors and decision making styles: a case study of adolescents in Malaysia. International Journal of Consumer Studies, 27(2), 145-156.
Kammeyer-Mueller, J. D., Judge, T. A., & Brent A. Scott (2009), The role of core self-evaluations in the coping process, Journal of Applied Psychology, 94(1), 177-95.
Kim, J., Garman, E. T., & Sorhaindo, B., (2003). Relationships among credit counselling clients’ financial well-being, fi-nancial behaviors, financial stressor events, and health. Financial Counselling and Planning, 14, 75-87.
Korenman, S., & Neumark, D. (1991). Does marriage really make men more productive? Journal of Human Resources, 26, 282-307.
La Barbera, P. A., & Gürhan, Z. (1997). The role of materialism, religiosity, and demographics in subjective well-being. Psychology & Marketing, 14, 71-97.
Lazarus, R. S., & Folkman, S. (1984). Stress, appraisal, and coping. New York: Springer.
Mack, J., & Lansley, S. (1985). Poor Britain. George Allen & Unwin (Publishers) Ltd, 40 Museum Street, London WC1A 1LU, UK.
Mahdzan, N. S., Zainudin, R., Sukor, M. E. A., Zainir, F., & Ahmad, W. M. W. (2019). Determinants of subjective finan-cial well being across three different household income groups in Malaysia. Social Indicators Research, 143, 1-28.
Masud, J., Rahim, H. A., Paim, L. H., & Britt, S. (2004). Financial behavior and problems among university students: need for financial education. Journal of Personal Finance, 3(1), 82-96.
Meghir, C. (2004). A retrospective on Friedman's Theory of Permanent Income (PDF). Retrieved on 28/08/2019 from https://onlinelibrary.wiley.com/doi/full/10.1111/j.1468-0297.2004.00223.x.
Nickerson, C., Schwarz, N., & Diener, E. (2007). Financial aspirations, financial success, and overall life satisfaction: who? and how?. Journal of Happiness Studies, 8(4), 467-515.
O’Neill, B., Xiao, J. J., Sorhaindo, B., & Garman, E. T. (2005). Financial distressed consumers: Their financial practices, financial well-being, and health. Financial Counseling and Planning, 16(1), 73-87.
Ouweneel, E., Schaufeli, W. B., & Blanc, P. M. L. (2013). Believe, and you will achieve: Changes over time in self-efficacy, engagement, and performance. APPLIED Psychology: Health and Wellbeing, 5(2), 225-247.
Por, J., Barriball, L., Fitzpatrick, J., & Roberts, J. (2011). Emotional intelligence: its relationship to stress, coping, well-being and professional performance in nursing students. Nurse education today, 31(8), 855-860
Pritchard, M. E., Wilson, G. S., & Yamnitz, B. (2007). What predicts adjustment among college students?: A longitudinal panel study. Journal of American College Health, 56(1), 15-21.
Sabri, M. F., MacDonald, M., Hira, T. K., & Masud, J. (2010). Childhood consumer experience and the financial literacy of college students in Malaysia. Family & Consumer Sciences Research Journal, 38(4), 455- 467.
Sabri, M. F., & Zakaria, N. F. (2015a). The influence of financial literacy, money attitude, financial strain and financial capability on young employees’ financial well-being. Pertanika Journal of Social Sciences and Humanities, 23(4), 827-848.
Sabri, M. F., & Zakaria, N. F. (2015b). Financial well-being among young employees in Malaysia. In Z. Copur (Ed.), Handbook of research on behavioral finance and investment strategies: Decision making in the financial industry (pp. 221-235). Hershey,USA: IGI Global.
Sahu, F. M., & Rath, S. (2003). Self-efficacy and well-being in working and non-working women: The moderating role of involvement. Psychology Developing Societies, 15, 187-200.
Schaubroeck, J., & Merritt, D.E. (1997). Divergent effects of job control on coping with work stressors: The key role of self-efficacy. Academy of Management Journal, 40, 738-754.
Scheier, M. F., Carver, C. S., & Bridges, M. W. (1994). Distinguishing optimism from neuroticism (and trait anxiety, self-mastery, and self-esteem): A reevaluation of the Life Orientation Test. Journal of Personality and Social Psychology, 67(6), 1063-1078.
Shim, S., Xiao, J. J., Barber, B. L., & Lyons, A. C. (2009). Pathways to life success: A conceptual model of financial well-being for young adults. Journal of Applied Developmental Psychology, 30, 708-723.
Siu, O., Lu, C., & Spector, P. E. (2007). Employees’ well-being in greater China: The direct and moderating effects of general self-efficacy. Applied Psychology: An International Review, 56(2), 288-30.
Sohn, S. H., Joo, S. H., Grable, J. E., Lee, S., & Kim, M. (2012). Adolescents’ financial literacy: The role of financial so-cialization agents, financial experiences, and money attitudes in shaping financial literacy among South Korean youth. Journal of Adolescence, 35(4), 969-980.
Stajkovic, A. D. & Luthans, F. (1998). Self-efficacy and work-related performance: A meta-analysis. Psychological Bulle-tin. 2(2), 240-261.
Tang, T. L. P., Luna-Arocas, R., Pardo, I., & Tang, T. L. N. (2013). Materialism and the bright and dark sides of the finan-cial dream in Spain: The positive role of money attitudes-the Matthew effect. Applied Psychology: An International Review.
Tang, T. L. P., Tang, T. L. N., & Homaifar, B.Y. (2006). Income, the love of money, pay comparison, and pay satisfaction: Race and gender as moderators. Journal of Managerial Psychology, 21, 476-491.
Theodos, B., Kalish, E., McKernan, S. M., & Ratcliffe, C. (2014). Do financial knowledge, behavior, and well-being differ by gender? Washington, DC: FINRA Investor Education Foundation.
Van-Praag, B. M. S., Frijters, P., & Ferer-i-Carbonell, A. (2003). The anatomy of subjective well-being. Journal of Eco-nomic Behavior and Organization, 51, 29-49.
Veenhoven, R. (1991). Questions on happiness: Classical topics, modern answers, blind spots. In F. Strack, M. Argyle, & N. Schwarz (Eds.), Subjective well-being: An interdisciplinary perspective (pp. 7-26). Elmsford, NY: Pergamon Press.
Verwijmerena, P., & Derwall, J. (2010). Employee well-being, firm leverage, and bankruptcy risk. Journal of Banking & Finance, 34(5), 956-964.
Vlachos, P. A., Tsamakos, A., Vrechopoulos, A. P., & Avramidis, P. K. (2009). Corporate social responsibility: Attribu-tions, loyalty, and the mediating role of trust. Journal of the Academy of Marketing Science, 37(2), 170-180.
Vosloo, W., Fouché, J., & Barnard, J. (2014). The relationship between financial efficacy, satisfaction with remuneration and personal financial well-being. International Business & Economics Research Journal, 13(6), 1455-1470.
Wilhelm, M. S., Varcoe, K., & Fridrich, H. A. (1993). Financial satisfaction and assessment of financial progress: Im-portance of money attitudes. Financial Counseling and Planning, 4, 181-199.
Worthy, S. L., Jonkman, J., & Pike, L. B. (2010). Sensation-seeking, risk-taking, and problematic financial behaviors of college students. Journal of Family and Economic Issues, 31, 161-170.
Xiao, J. J., Shim, S., Barber, B., & Lyons, A. (2007). Academic success and well-being of college students: financial be-haviours matter. (Technical Report) TCAI, University of Arizona.
Xiao, J. J., Tang, C., & Shim, S. (2009). Acting for happiness: Financial behavior and life satisfaction of college students. Social Indicators Research, 92, 53-68.
Xiao, J. J., Tang, C., Serido, J., & Shim, S. (2011). Antecedents and consequences of risky credit behavior among college students: Application and extension of the theory of planned behaviour. Journal of Public Policy and Marketing, 30(2), 239-245.
Yuehua, O. & Song, S. (2004). A study on general self-efficacy and subjective well-being of low SES-college students in a Chinese university. College Student Journal, 38(4), 637-649.
Zaleskiewicz, T., Gasiorowska, A., Kesebir, P., Luszczynska, A., & Pyszczynski, T. (2013). Money and the fear of death: The symbolic power of money as an existential anxiety buffer. Journal of Economic Psychology, 36, 55-67.
Arendt, S., & Brettel, M. (2010). Understanding the influence of corporate social responsibility on corporate identity, im-age, and firm performance. Management Decision, 48(10), 1469-1492.
Bandura, A. (1977). Self-efficacy: Toward a unifying theory of behavioral change. Psychological Review, 84, 191-215.
Bandura, A. (1986). Social foundations of thought and action: A social cognitive theory. Englewood Cliffs, NJ: Prentice Hall.
Bandura, A. (1997). Self-efficacy: The exercise of control. New York: Freeman.
Borden, L. M., Lee, S., Serido, J., & Collins, D. (2008). Changing college students’ financial knowledge, attitudes and be-havior through seminar participation. Journal of Family and Economic Issues, 29, 23-40.
Bowman, D., Banks, M., Fela, G., Russell, R., & de Silva, A. (2016). Understanding financial wellbeing in times of inse-curity. Retrieved on 25/08/2019 from Brotherhood of St Laurence, Fitzroy, Australia: http://library.bsl.org.au/jspui/bitstream/1/9423/1/ Bowman_etal_ Understanding_financial_wellbeing_2017. pdf
Brougham, R. R., Zail, C. M., Mendoza, C. M., & Miller, J. R. (2009). Stress, sex differences, and coping strategies among college students, Current Psychology, 28, 85-97.
Cochran, P. L., & Wood, R. A. (1984). Corporate social responsibility and financial performance. Academy of Manage-ment Journal, 27(1), 42-56.
Consumer Financial Protection Bureau (CFPB). (2015). Consumer Response Annual Report.
Diener, E., Diener, M., & Diener, C. (1995). Factors predicting the subjective well-being of nations. Journal of Personali-ty and Social Psychology, 69, 851-864.
Doyle, D., & Forehand, M. J. (1984). Life satisfaction and old age: A re-examination. Research on Aging, 6, 432-448.
Falahati, L., & Paim, L. H. (2011). Gender differences in financial well-being among college students. Australian Journal of Basic and Applied Sciences, 5(9), 1765-1776.
Falahati, L., & Sabri, M.F. (2015). An exploratory study of personal financial well-being determinants: Examining the moderating effect of gender. Asian Social Science, 11(4), 33-42.
Farrell, L., Fry, T. R. L., & Risse, L. (2016). The significance of financial self-efficacy in explaining women’s personal fi-nance behavior. Journal of Economic Psychology, 54, 85-99.
Fox, J. J., & Bartholomae, S. (2008). Evaluation of the 2008 Women & Money Program. Retrieved on 25/08/2019 from http://www.osu.edu/search/index.php.
Friedman, M. (1957). A Theory of the Consumption Function. In M. Friedman (Eds.), The Permanent Income Hypothesis (pp. 20 - 37). Princeton University Press, ISBN 978-0-691-04182-7.
García de Leaniz, P. M., & Del Bosque Rodríguez, I. (2015). Exploring the antecedents of hotel customer loyalty: A social identity perspective. Journal of Hospitality Marketing & Management, 24(1), 1-23.
Gasiorowska, A. (2014b). The relationship between objective and subjective wealth is moderated by financial control and mediated by money anxiety. Journal of Economic Psychology, 43, 64-74.
Gasiorowska, A. (2015). The impact of money attitudes on the relationship between income and financial satisfaction. Polish Psychological Bulletin, 46(2), 197-208.
George, L. K. (1992). Economic status and subjective well-being: A review of literature and an agenda for future re-search. In N. E. Cutler, D. W. Gregg, & M. P. Lawton (Eds.), Aging, money, and life satisfaction: Aspects of financial gerontology (pp. 69-99). New York: Springer.
Godwin, D. D. (1996). Family finance and marital happiness. Paper presented at the Eastern Family Economics and Re-source Management Conference in Tuscaloosa, AL.
Gray, J. S. (1997). The fall in men’s return to marriage: Declining productivity effects or changing selection? Journal of Human Resources, 32, 481-504.
Gutter, M., & Copur, Z. (2011). Financial behaviours and financial well-being of college students: evidence from a Na-tional Survey. Journal of Family and Economic Issues, 32, 699-714.
Hadar, L, Sood, S., & Fox, C. R. (2013). Subjective knowledge in consumer financial decisions, Journal of Marketing Re-search, 50(3), 303-316.
Headey, B., Veenhoven, R., & Wearing, A. (1991). Top-down versus bottom-up theories of subjective well-being. Social Indicators Research, 24, 81-100.
Hira, T. K., & Mugenda, O. (1999b). The relationships between self-worth and financial beliefs, behavior, and satisfac-tion. Journal of Family and Consumer Sciences, 91(4), 76.
Joo, H., & Grable, J. E. (2004). An exploratory framework of the determinants of financial satisfaction. Journal of Family and Economic Issues, 25, 25-50.
Joo, S. (2008). Personal financial wellness. In J.J. Xiao (Ed.), Handbook of consumer finance research (pp. 21-33). New York: Springer.
Kamaruddin, A. R., & Mokhlis, H. (2003). Consumer socialization, social structural factors and decision making styles: a case study of adolescents in Malaysia. International Journal of Consumer Studies, 27(2), 145-156.
Kammeyer-Mueller, J. D., Judge, T. A., & Brent A. Scott (2009), The role of core self-evaluations in the coping process, Journal of Applied Psychology, 94(1), 177-95.
Kim, J., Garman, E. T., & Sorhaindo, B., (2003). Relationships among credit counselling clients’ financial well-being, fi-nancial behaviors, financial stressor events, and health. Financial Counselling and Planning, 14, 75-87.
Korenman, S., & Neumark, D. (1991). Does marriage really make men more productive? Journal of Human Resources, 26, 282-307.
La Barbera, P. A., & Gürhan, Z. (1997). The role of materialism, religiosity, and demographics in subjective well-being. Psychology & Marketing, 14, 71-97.
Lazarus, R. S., & Folkman, S. (1984). Stress, appraisal, and coping. New York: Springer.
Mack, J., & Lansley, S. (1985). Poor Britain. George Allen & Unwin (Publishers) Ltd, 40 Museum Street, London WC1A 1LU, UK.
Mahdzan, N. S., Zainudin, R., Sukor, M. E. A., Zainir, F., & Ahmad, W. M. W. (2019). Determinants of subjective finan-cial well being across three different household income groups in Malaysia. Social Indicators Research, 143, 1-28.
Masud, J., Rahim, H. A., Paim, L. H., & Britt, S. (2004). Financial behavior and problems among university students: need for financial education. Journal of Personal Finance, 3(1), 82-96.
Meghir, C. (2004). A retrospective on Friedman's Theory of Permanent Income (PDF). Retrieved on 28/08/2019 from https://onlinelibrary.wiley.com/doi/full/10.1111/j.1468-0297.2004.00223.x.
Nickerson, C., Schwarz, N., & Diener, E. (2007). Financial aspirations, financial success, and overall life satisfaction: who? and how?. Journal of Happiness Studies, 8(4), 467-515.
O’Neill, B., Xiao, J. J., Sorhaindo, B., & Garman, E. T. (2005). Financial distressed consumers: Their financial practices, financial well-being, and health. Financial Counseling and Planning, 16(1), 73-87.
Ouweneel, E., Schaufeli, W. B., & Blanc, P. M. L. (2013). Believe, and you will achieve: Changes over time in self-efficacy, engagement, and performance. APPLIED Psychology: Health and Wellbeing, 5(2), 225-247.
Por, J., Barriball, L., Fitzpatrick, J., & Roberts, J. (2011). Emotional intelligence: its relationship to stress, coping, well-being and professional performance in nursing students. Nurse education today, 31(8), 855-860
Pritchard, M. E., Wilson, G. S., & Yamnitz, B. (2007). What predicts adjustment among college students?: A longitudinal panel study. Journal of American College Health, 56(1), 15-21.
Sabri, M. F., MacDonald, M., Hira, T. K., & Masud, J. (2010). Childhood consumer experience and the financial literacy of college students in Malaysia. Family & Consumer Sciences Research Journal, 38(4), 455- 467.
Sabri, M. F., & Zakaria, N. F. (2015a). The influence of financial literacy, money attitude, financial strain and financial capability on young employees’ financial well-being. Pertanika Journal of Social Sciences and Humanities, 23(4), 827-848.
Sabri, M. F., & Zakaria, N. F. (2015b). Financial well-being among young employees in Malaysia. In Z. Copur (Ed.), Handbook of research on behavioral finance and investment strategies: Decision making in the financial industry (pp. 221-235). Hershey,USA: IGI Global.
Sahu, F. M., & Rath, S. (2003). Self-efficacy and well-being in working and non-working women: The moderating role of involvement. Psychology Developing Societies, 15, 187-200.
Schaubroeck, J., & Merritt, D.E. (1997). Divergent effects of job control on coping with work stressors: The key role of self-efficacy. Academy of Management Journal, 40, 738-754.
Scheier, M. F., Carver, C. S., & Bridges, M. W. (1994). Distinguishing optimism from neuroticism (and trait anxiety, self-mastery, and self-esteem): A reevaluation of the Life Orientation Test. Journal of Personality and Social Psychology, 67(6), 1063-1078.
Shim, S., Xiao, J. J., Barber, B. L., & Lyons, A. C. (2009). Pathways to life success: A conceptual model of financial well-being for young adults. Journal of Applied Developmental Psychology, 30, 708-723.
Siu, O., Lu, C., & Spector, P. E. (2007). Employees’ well-being in greater China: The direct and moderating effects of general self-efficacy. Applied Psychology: An International Review, 56(2), 288-30.
Sohn, S. H., Joo, S. H., Grable, J. E., Lee, S., & Kim, M. (2012). Adolescents’ financial literacy: The role of financial so-cialization agents, financial experiences, and money attitudes in shaping financial literacy among South Korean youth. Journal of Adolescence, 35(4), 969-980.
Stajkovic, A. D. & Luthans, F. (1998). Self-efficacy and work-related performance: A meta-analysis. Psychological Bulle-tin. 2(2), 240-261.
Tang, T. L. P., Luna-Arocas, R., Pardo, I., & Tang, T. L. N. (2013). Materialism and the bright and dark sides of the finan-cial dream in Spain: The positive role of money attitudes-the Matthew effect. Applied Psychology: An International Review.
Tang, T. L. P., Tang, T. L. N., & Homaifar, B.Y. (2006). Income, the love of money, pay comparison, and pay satisfaction: Race and gender as moderators. Journal of Managerial Psychology, 21, 476-491.
Theodos, B., Kalish, E., McKernan, S. M., & Ratcliffe, C. (2014). Do financial knowledge, behavior, and well-being differ by gender? Washington, DC: FINRA Investor Education Foundation.
Van-Praag, B. M. S., Frijters, P., & Ferer-i-Carbonell, A. (2003). The anatomy of subjective well-being. Journal of Eco-nomic Behavior and Organization, 51, 29-49.
Veenhoven, R. (1991). Questions on happiness: Classical topics, modern answers, blind spots. In F. Strack, M. Argyle, & N. Schwarz (Eds.), Subjective well-being: An interdisciplinary perspective (pp. 7-26). Elmsford, NY: Pergamon Press.
Verwijmerena, P., & Derwall, J. (2010). Employee well-being, firm leverage, and bankruptcy risk. Journal of Banking & Finance, 34(5), 956-964.
Vlachos, P. A., Tsamakos, A., Vrechopoulos, A. P., & Avramidis, P. K. (2009). Corporate social responsibility: Attribu-tions, loyalty, and the mediating role of trust. Journal of the Academy of Marketing Science, 37(2), 170-180.
Vosloo, W., Fouché, J., & Barnard, J. (2014). The relationship between financial efficacy, satisfaction with remuneration and personal financial well-being. International Business & Economics Research Journal, 13(6), 1455-1470.
Wilhelm, M. S., Varcoe, K., & Fridrich, H. A. (1993). Financial satisfaction and assessment of financial progress: Im-portance of money attitudes. Financial Counseling and Planning, 4, 181-199.
Worthy, S. L., Jonkman, J., & Pike, L. B. (2010). Sensation-seeking, risk-taking, and problematic financial behaviors of college students. Journal of Family and Economic Issues, 31, 161-170.
Xiao, J. J., Shim, S., Barber, B., & Lyons, A. (2007). Academic success and well-being of college students: financial be-haviours matter. (Technical Report) TCAI, University of Arizona.
Xiao, J. J., Tang, C., & Shim, S. (2009). Acting for happiness: Financial behavior and life satisfaction of college students. Social Indicators Research, 92, 53-68.
Xiao, J. J., Tang, C., Serido, J., & Shim, S. (2011). Antecedents and consequences of risky credit behavior among college students: Application and extension of the theory of planned behaviour. Journal of Public Policy and Marketing, 30(2), 239-245.
Yuehua, O. & Song, S. (2004). A study on general self-efficacy and subjective well-being of low SES-college students in a Chinese university. College Student Journal, 38(4), 637-649.
Zaleskiewicz, T., Gasiorowska, A., Kesebir, P., Luszczynska, A., & Pyszczynski, T. (2013). Money and the fear of death: The symbolic power of money as an existential anxiety buffer. Journal of Economic Psychology, 36, 55-67.