The purpose of this study was to investigate the impact of personal and family background, academic ability, and childhood consumer experiences on the financial literacy of college students in Malaysia. The sample comprised 2,519 students in 11 public and private colleges in Malaysia. Financial literacy was measured with a 25‐item test of financial knowledge. On average, students answered less than half of the questions correctly. Methods of analysis included bivariate t tests, analysis of variance, and multiple regression analysis. The childhood consumer experience of discussing family finances with parents has a substantial positive relationship with financial literacy. Students of Chinese ethnicity, who live on campus, and who attend private colleges are less likely to be financially literate.

This study investigates the role of financial socialization for investment orientation and household net worth. Combining consumer socialization literature with findings in the behavioural finance literature, survey data were analysed to (1) investigate the relationship among household net worth, financial socialization, indicators of investment orientation and socio-demographic investor characteristics; (2) examine the influence of sociodemographic investor characteristics and financial socialization on indicators of investment orientation; and (3) test whether financial socialization affects household wealth above and beyond socio-demographic and investment orientation factors. Parents emerged as a relevant socialization agent of investors, influencing investment regularity and household net worth above and beyond other factors. This result extends earlier findings about parents' role for a person's financial management and savings behaviour to the investment context. Based on our findings, educators may want to involve parents in their efforts. They may want to emphasize the importance of starting investing regularly at an early age and of continuing to increase involvement in investing over the years. Financial planners and financial counsellors may consider emphasizing these two practices for their clients and involve children of their clients when and where appropriate. Literature reviewSocialization is the process by which individuals acquire knowledge, skills and values to participate as members of a group and in society (McNeal, 1987;Moschis, 1987). It begins in childhood and continues, to some extent, throughout life. Applied to market behaviour, consumer socialization has been defined as the process 'by which young people acquire skills, knowledge and attitudes relevant to their functioning in the marketplace' (Ward, 1974, p. 2). Financial socialization, according to Danes (1993), is 'much more inclusive than learning to effectively function in the marketplace.

Financial Stability and Payment Systems Report of the Bank Negara Malaysia reported that household debt grew by 5.4% to RM1.09 trillion from a year earlier. Notably, households merely borrow or use credit for purchasing in order to smoothen their consumption. Less secure and vulnerable current, and retirement stages would be the result among public employees in Malaysia due to high household debts. Enhancing trend of better financial management practices is essential, especially for working employees due to the increased levels of existing personal indebtedness, and increasing focus on personal responsibility for financial planning among them. Nowadays, employee's role in managing their finances is becoming complex due to experiencing with the complexity of financial commodities in the marketplace. Therefore, studying of the determinants of employees' financial well-being (FWB) among employees in Malaysia is the major objective of this research. The sample of 590 employees in the public sector from four states was selected by applying multi stage sampling technique. The data gathering was accomplished using a self-administered questionnaire. According to the regression analysis, contribution of the variables to the model was 32.3%. Money attitude, financial practices, self-efficacy, and emotion coping had conspicuous contribution to FWB, while financial practices were identified as the key performing aspect to FWB. The findings of this study are beneficial to the government, and Non-Governmental Organizations (NGOs) to create a comprehensive approach specially to advance the living standards, and enhance the FWB of the lower-household income cluster of employees. More comprehension about the determinants of FWB plays a vital role to support workers to equip with financial prudence, and in the longrun would minimize the rate of Malaysian workers with financial difficulties.

Environmental deterioration brought about by consumers’ non-feasible utilization pattern is putting a pressure on the environment and is obstructing sustainable development. To hinder this impact and stimulate a more sustainable economic growth, one solution is to lessen or move utilization patterns from conventional products to eco-friendly products. The authors conducted a review study of green purchase behavioral research across the 6-year period from 2015 to 2021, identifying 108 studies that met our inclusion criteria. The current review distinguishes different pervasive facilitators, motives, and obstacles influencing consumers’ decision-making process towards environmentally friendly products, and it gives potential clarifications for contradictions found in green purchase behavior (GPB). The paper reveals the main determinants of consumer’s GPB, and as a result of the review, 212 variables that affect green purchase intention (GPI) were identified. Moreover, 135 determinants that influence GPB were recorded. In this way, besides contributing to the literature, it will assist policymakers in formulating and employing strategies to persuade eco-friendly purchasing, and it will give an opportunity for marketers to generate proper marketing strategies for drawing in clients and guaranteeing ideal sales.

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