The role of financial behaviour, financial literacy, and financial stress in explaining the financial well-being of B40 group in Malaysia

Future Business Journal

Table 12 EFA results for the financial behaviour (FB) construct

Dimensions of Financial behaviour (FB)	Items	Item level		Dimension level		Factor loadings	Cronbach’s Alpha
Dimensions of Financial behaviour (FB)	Items	Mean	SD	Mean	SD	Factor loadings	Cronbach’s Alpha
Savings behaviour	FB1	3.85	0.81	3.81	0.50	0.67	0.76
	FB2	4.01	0.74			0.66
	FB3	4.01	0.71			0.63
	FB4	3.82	0.76			0.60
	FB7	3.69	0.70			0.54
	FB10*	*3.47*	*0.82*			*0.38*
Expenditure behaviour	FB9	2.95	0.93	2.86	0.67	0.75	0.69
	FB6	2.85	1.05			0.67
	FB8	3.17	0.97			0.55
	FB5*	*2.48*	*0.84*			*0.34*

Kaiser–Meyer–Olkin Measure of Sampling Adequacy = 0.77; Significance of Bartlett's Test of Sphericity = 0.000; Extraction Method: Principal Axis Factoring; Rotation Method: Varimax with Kaiser Normalisation; *Item FB10 and FB5 were deleted during EFA