Given the high and rising household debt in Malaysia, the objective of this paper is to ascertain the characteristics of a financially vulnerable individual. Financial vulnerability is measured based on two indicators: the debt-to-income ratio and the level of emergency savings for income shock....

Purpose: This study analyzes the role of information disclosure in influencing credit card repayments by focusing on three intervention methods for improving repayment decisions among credit cardholders. Design/methodology/approach: This study uses the survey method to collect data. Four...

Given the high and rising household debt in Malaysia, the objective of this paper is to ascertain the characteristics of a financially vulnerable individual. Financial vulnerability is measured based on two indicators: the debt-to-income ratio and the level of emergency savings for income shock....