Financial Fragility of Urban Households in Malaysia

Yusof, Selamah Abdullah; Rokis, Rohaiza; Jusoh, Wan Jamaliah Wan

doi:10.17576/jem-2015-4901-02

Cited by 32 publications

(15 citation statements)

References 11 publications

(12 reference statements)

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“…According to the Population and Housing Census 2000, the urban population in Malaysia was predominantly Malays (43.9%), followed by the Chinese (33.9%), and Indians (9.3%) [58]. There are urban poor among Malays [59] and this group of population may self-medicate to alleviate pain due to basic needs which take precedence over their oral health, namely food security, and limited health literacy or unfavourable attitudes toward oral hygiene and the lack of perceived need for oral disease prevention [60].…”

Section: Discussionmentioning

confidence: 99%

Comparison of health-seeking behaviour of Malaysian adults in urban and rural areas pertaining to oral health issues: findings from the National Health and Morbidity Survey 2019

Tan

Jawahir

Doss

2023

Preprint

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Background: The development and implementation of appropriate strategies to enhance oral health in the community can be aided by an understanding of oral health-seeking behaviour among urban and rural populations. The purpose of this study was to identify the factors associated with oral health-seeking behaviour of the Malaysians in urban and rural locations who self-reported dental problems. Methods: The National Health and Morbidity Survey 2019, a cross-sectional nationwide household survey that focused on non-institutionalised Malaysians, provided the data for this study on adults in Malaysia who were 18 years of age and older. Data was collected using a multilingual (Malay and English), structured, and validated questionnaire via face-to-face interviews from July to October 2019. Complex sample descriptive statistics were used to describe the characteristics and oral health-seeking behaviour of the respondents. The relationship between predictors (predisposing, enabling, and health needs factor) and oral health-seeking behaviours were investigated using multivariable logistic regression analysis (sought healthcare and self-medication). Results: The analysis comprised a total of 10,134 respondents, or about 18.2 million Malaysian adults ages 18 and above. The overall prevalence of Malaysian adults who self-reported dental problems was low (5.5%) and was slightly higher in the rural than urban population. Almost half sought treatment from healthcare practitioners (HCPs), and almost a quarter self-medicated. Ethnicity was associated with seeking healthcare and self-medication among urban dwellers. Among the rural population, income level was associated with seeking healthcare while education level was associated with self-medication. Conclusion: Disparities in oral health-seeking behaviours exist between Malaysians living in urban and rural areas. Future policies should adopt focused strategies that concentrate on oral healthcare accessibility and health literacy of the vulnerable and rural populations to achieve the best oral healthcare for this population group.

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Section: Discussionmentioning

confidence: 99%

Comparison of health-seeking behaviour of Malaysian adults in urban and rural areas pertaining to oral health issues: findings from the National Health and Morbidity Survey 2019

Tan

Jawahir

Doss

2023

Preprint

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“…By providing diversified products and services for the treatment of diseases, medical management and nursing care, commercial health insurance plays the role of economic compensation and risk transfer, alleviating the economic pressure on individuals or families caused by large expenditures exceeding the reimbursement limit, and effectively reducing the vulnerability of families to risks [ 5 , 6 , 7 ].…”

Section: Mechanism Of Commercial Health Insurance To Improve Economic...mentioning

confidence: 99%

Research on the Effect of Commercial Health Insurance Development on Economic Efficiency

Zhao

Wanyan

Suo

2023

IJERPH

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In the process of comprehensively promoting the construction of a multi-level medical security system in China, it is very important to clarify the impact of commercial health insurance. In order to better promote the development of commercial health insurance, we explore the effect of commercial health insurance development on economic efficiency. Theoretical analysis shows that, in addition to providing health risk protection for residents, commercial health insurance can also promote the coordinated development of the health industry chain, promote risk reduction, accumulate capital, and contribute to high-quality economic development. Empirically, this study indexes a commercial health insurance development index that is more in line with China’s development reality. In addition, this study compiles the economic efficiency index from the three dimensions of economic development basis, social benefits and industrial changes. We measure the commercial health insurance development index and economic efficiency index in 31 regions from 2007 to 2019, and further econometric analysis is carried out on this basis. It is found that the development of commercial health insurance can promote economic efficiency, and this result is robust. Meanwhile, the impact of commercial health insurance on economic efficiency is restricted by the economic environment itself, and the more developed the economy is, the more obvious this effect will be. Therefore, the development of commercial health insurance will significantly benefit the construction of China’s multi-level medical security system and promote regional economic efficiency.

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“…The evidence for these variables is consistent with prior research. Thus, older individuals tend to have lower values of FV (Disney & Gathergood, 2011;Loke, 2017;Seldal & Nyhus, 2022), as do those with higher levels of education (Anderloni et al, 2012;West & Mottola, 2016), and women (Abdullah Yusof et al, 2015;Singh & Malik, 2022). Households with dependent children tend to be more financially vulnerable compared to those without dependents (Anderloni et al, 2012;Friedline & West, 2016).…”

Section: Financial Literacy and Financial Vulnerability: Ols Analysesmentioning

confidence: 99%

A Comprehensive Approach to Measuring Financial Vulnerability and Literacy: Unveiling Connections

Fernández-López,

Álvarez-Espiño,

Rey-Ares

2023

SAGE Open

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In the aftermath of the 2007–08 financial crisis, the worsening financial conditions of households increased concerns about their financial vulnerability (FV). In this context, policymakers embraced the notion of financial knowledge to foster sound financial behaviors among individuals and households, aiming to mitigate the detrimental effects of FV on households’ financial wellbeing and the overall economy. However, the relationship between FV and financial literacy remains inconclusive. This lack of definitive findings may stem from limitations in measuring FV and narrow focus on specific dimensions of financial literacy. This paper analyzes the relationship between financial literacy and FV by creating a comprehensive measure of (the level of) FV and considering different dimensions of financial literacy. Using a sample of 8,554 individuals in Spain obtained from the 2016–17 Survey of Financial Competences, we construct a continuous measure of FV by using Nonlinear Principal Components Analysis (NLPCA). Then, we employ OLS and ordered probit regressions to examine the potential association between different dimensions of financial literacy and FV. The findings indicate that the level of FV is negatively related to self-perceived financial knowledge, while no statistically significant relationship is found regarding objective financial knowledge. Evidence also reveals that “highly financially included” individuals are more likely to exhibit financial resilience. These findings highlight the need for the development of financial education initiatives that are action-oriented.

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Financial Fragility of Urban Households in Malaysia

Cited by 32 publications

References 11 publications

Comparison of health-seeking behaviour of Malaysian adults in urban and rural areas pertaining to oral health issues: findings from the National Health and Morbidity Survey 2019

Comparison of health-seeking behaviour of Malaysian adults in urban and rural areas pertaining to oral health issues: findings from the National Health and Morbidity Survey 2019

Research on the Effect of Commercial Health Insurance Development on Economic Efficiency

A Comprehensive Approach to Measuring Financial Vulnerability and Literacy: Unveiling Connections

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