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  1. Fulltext The financial status and factors affecting personal well-‐being among urban poor in Kuala Lumpur
    Moga Dass T, Sabri MF
    Malaysian Journal of Social Sciences and Humanities, 2017;2(1):21-39.
    MyJurnal
    The main purpose of this study is to understand the financial status of urban poor community in Kuala Lumpur and factors affecting their personal well-being. The sampling size of this research is 1,064 respondents chosen by using systematic sampling method. The data was obtained by using selfadministered questionnaires and the data being analysed by descriptive analysis meanwhile and multi regression analysis. The results shows that the urban poor community in Kuala Lumpur are having a moderate level of financial literacy possess a less effective financial behaviour, experiencing a high financial strain and adapting a moderate level of personal well-being. Besides that, the results also indicates that the financial literacy has no influence on personal well-being of the urban poor community, meanwhile financial behaviour has a positive influence and financial strain has a negative influence on the personal well-being of the urban poor community. The findings of the study suggest the government and non-government organisation such as Economic Planning Unit ((EPU), Kuala Lumpur City Hall (KLCH or DBKL), Central Bank of Malaysia (BNM), Credit Counselling and Debt Management Agency (CCDM or AKPK), Federation of Consumer Association (FOMCA) to make an inclusive effort and approach to improve the personal well-being of the urban poor. By understanding more about the financial status of the urban poor community, it is hoped to help them to become financial prudence and in the long-run could lead them into a good decision making while facing conflicts in financial issues and maintain a good quality of life. It is important to ensure the urban poor consumers have better financial management skills which lead them to make the right decision in order to enhance their personal well-being.
  2. Single mothers' subjective well-being: empirical evidence from Malaysia
    Aw EC, Sabri MF
    Health Care Women Int, 2021;42(4-6):756-777.
    PMID: 32208069 DOI: 10.1080/07399332.2020.1744148
    The authors' purpose of this study is to investigate the antecedents of single mothers' subjective well-being. A questionnaire-based survey was conducted using a multi-stage random sampling technique. Data were analyzed using Partial Least Square Structural Equation Modeling. The main findings are: (1) religiosity and locus of control positively influenced subjective well-being, (2) locus of control negatively influenced financial strain, (3) financial strain negatively influenced subjective well-being, and (4) age moderated the relationship between financial strain and subjective well-being. Implications and future research suggestions are discussed.
  3. Fulltext Dietary intake, levels of trace elements and intelligence quotient (IQ) among huffaz students from selected tahfiz schools in Selangor
    Ismarulyusda Ishak, Farah Wahida Ibrahim, Santibuana Abd Rahman, Nor Malia Abd Warif, Ahmad Rohi Ghazali, Faisal Ariffin, et al.
    Jurnal Sains Kesihatan Malaysia, 2018;16(101):129-136.
    MyJurnal
    Tahfiz education has been well accepted by Muslims in Malaysia. Memorizing the Quran through rote learning can assist in improving the brain ability to process, store information and build memory. In addition, dietary intakes were reported to contribute in the process of memorizing the Quran and to increase the levels of intelligence (IQ) among huffaz students. This cross-sectional study was conducted to measure and to determine the correlation between IQ and dietary intake as well as between IQ and the level of trace elements among students in selected tahfiz schools and non-tahfiz school in Selangor. Questionnaires were used to obtain demographic data. Dietary intake was assessed via 3 days dietary record. Levels of trace elements in the nail samples were analyzed by using ICP-MS. Test for intelligence using WASI-II was conducted to measure the students’ IQ. The results showed that there was a moderate positive correlation between IQ and carbohydrate (r = 0.425, p < 0.001, a weak positive correlation between IQ and energy (r = 0.260, p < 0.05), vitamin B6 (r = 0.189, p < 0.05), vitamin B12 (r = 0.207, p < 0.05) and vitamin C (r = 0.211, p < 0.05). The levels of trace elements in nail samples showed no correlation with IQ, whereas there were moderate positive correlations between IQ and dietary zinc (r = 0.375, p < 0.001) as well as between IQ and dietary iron (r = 0.303, p < 0.001). There was also a moderate positive correlation between IQ and the level of memorization (r = 0.375, p < 0.001). The results of stepwise multiple linear regression showed that al-Quran memorization influence the level of IQ by 20 %. As a conclusion, dietary intake of certain nutrients including energy, vitamins and selected trace elements can potentially improve memorization activities and also IQ.
  4. Fulltext Food Insecurity: Is It a Threat to University Students' Well-Being and Success?
    Ahmad NSS, Sulaiman N, Sabri MF
    Int J Environ Res Public Health, 2021 05 25;18(11).
    PMID: 34070321 DOI: 10.3390/ijerph18115627
    Food insecurity is a growing concern among university students. The high prevalence of food insecurity is a threat to students' health and success. Therefore, this study aims to determine an association between food security status, psychosocial factors, and academic performance among university students. A total of 663 undergraduate students in seven randomly selected faculties in Universiti Putra Malaysia participated in this study. An online survey was conducted to obtain demographic and socioeconomic characteristics, food security status (six-item USDA; food security survey module, FSSM), psychosocial factors (depression, anxiety and stress scale, DASS-21) and academic performance. Among the abovementioned participating students, 32.4% are male. About 62.8% reported to have experienced food insecurity. Binary logistic regression revealed that students whose fathers were working (AOR = 6.446, 95% CI: 1.22, 34.01) came from low- (AOR = 14.314, 95% CI: 1.565, 130.954) and middle-income groups (AOR = 15.687, 95% CI: 1.720, 143.092), and those receiving financial aid (AOR = 2.811, 95% CI: 1.602, 4.932) were associated with food insecurity. Additionally, food insecurity students were less-likely reported, with CGPA ≥ 3.7 (AOR = 0.363, 95% CI: 1.22-34.014). Food insecurity respondents had higher odds for stress (AOR = 1.562, 95% CI: 1.111, 2.192), anxiety (AOR = 3.046, 95% CI: 2.090, 4.441), and depression (AOR = 2.935, 95% CI: 2.074, 4.151). The higher institutions should identify students with food insecurity problems and future intervention programs need to be conducted to combat food insecurity among students, thus yielding benefits to their health and success.
  5. Psychosocial Factors as Mediator to Food Security Status and Academic Performance among University Students
    Ahmad NSS, Sulaiman N, Sabri MF
    Int J Environ Res Public Health, 2022 May 03;19(9).
    PMID: 35564930 DOI: 10.3390/ijerph19095535
    The interrelation between food security, academic performance, and psychosocial factors remains unclear. This study aims to identify psychosocial factors as mediators of food security status and academic performance among university students at one of Malaysia’s public universities. Respondents included 663 bachelor’s degree students from seven randomly selected programmes at the university. Data on demographic and socioeconomic characteristics, food security status (US Adult Food Security Survey Module, FSSM), psychosocial factors (DASS-21), and academic performance were collected using an online survey. The SPSS PROCESS macro was used to perform mediation analysis. The result (β = −0.0182, p < 0.001) indicates that food insecurity is associated with poor academic performance. As well as that, an increase in anxiety (β = −0.0027, p < 0.05) and depression (β = −0.0025, p < 0.05) was significant associated with a decrease in academic performance. Furthermore, anxiety and depression serve as significant mediators in the relationship between food security and academic performance. Alleviating food insecurity is not only a way to improve academic performance; it can also improve academic performance by reducing anxiety and depression.
  6. Fulltext Do consumers continue to use O2O food delivery services in the post-pandemic era? Roles of sedentary lifestyle
    Yao P, Osman S, Sabri MF, Zainudin N, Li Y
    Heliyon, 2023 Sep;9(9):e19131.
    PMID: 37662809 DOI: 10.1016/j.heliyon.2023.e19131
    Online-to-offline food delivery (O2OFD) services have become popular worldwide, and consumers' O2OFD usage and sedentary behavior have increased during the COVID-19 pandemic. However, whether consumers will continue to use O2OFD in the post-pandemic era is uncertain, and the relationship between sedentary lifestyle and O2OFD usage is poorly understood to date. Therefore, this study aims to investigate consumers' continued intention to use O2OFD in the post-pandemic era and their subsequent use behavior, as well as to explore the roles of sedentary lifestyle. A research model based on the unified theory of acceptance and use of technology 2 (UTAUT2), integrating network externalities and including sedentary lifestyle, was proposed. A two-stage online survey was conducted in China, with 409 eligible responses used in the data analysis. The results indicate that habit, perceived network size, and perceived complementarity were the main predictors of continued intention, whereas habit and continued intention were the primary determinants of use behavior. Sedentary lifestyle was positively related to O2OFD use behavior and moderated the effects of habit and continued intention on use behavior. In addition to its theoretical contributions, this study has implications for public policies, marketing strategies, and consumer well-being.
  7. Fulltext A Thematic Review on Using Food Delivery Services during the Pandemic: Insights for the Post-COVID-19 Era
    Li Y, Yao P, Osman S, Zainudin N, Sabri MF
    Int J Environ Res Public Health, 2022 Nov 18;19(22).
    PMID: 36429983 DOI: 10.3390/ijerph192215267
    The food delivery service is the most typical and visible example of online-to-offline (O2O) commerce. More consumers are using food delivery services for various reasons during the COVID-19 pandemic, making this business model viral worldwide. In the post-pandemic era, offering food delivery services will become the new normal for restaurants. Although a growing number of publications have focused on consumer behavior in this issue, no review paper has addressed current research and industry trends. Thus, this paper aims to review the literature published from 2020 to the present (October 2022) on consumers' use of food delivery services during the pandemic. A thematic review was conducted, with 40 articles searched from Scopus and Web of Science being included. Quantitative findings showed current research trends, and thematic analyses formed eight themes of factors influencing consumer behavior: (1) technical and utilitarian factors, (2) system-related attributes, (3) emotional and hedonic factors, (4) individual characteristics, (5) service quality, (6) risk-related factors, (7) social factors, and (8) food-related attributes. The paper also emphasizes COVID-19-related influences and suggests promising future research directions. The results offer insights into industry practices and starting points for future research.
  8. Fulltext In Silico Screening of Aptamers Configuration against Hepatitis B Surface Antigen
    Sabri MZ, Abdul Hamid AA, Sayed Hitam SM, Abdul Rahim MZ
    Adv Bioinformatics, 2019;2019:6912914.
    PMID: 31346332 DOI: 10.1155/2019/6912914
    Aptamer has been long studied as a substitute of antibodies for many purposes. However, due to the exceeded length of the aptamers obtained in vitro, difficulties arise in its manipulation during its molecular conjugation on the matrix surfaces. Current study focuses on computational improvement for aptamers screening of hepatitis B surface antigen (HBsAg) through optimization of the length sequences obtained from SELEX. Three original aptamers with affinity against HBsAg were truncated into five short hairpin structured aptamers and their affinity against HBsAg was thoroughly studied by molecular docking, molecular dynamics (MD) simulation, and Molecular Mechanics Poisson-Boltzmann Surface Area (MMPBSA) method. The result shows that truncated aptamers binding on HBsAg "a" determinant region are stabilized by the dynamic H-bond formation between the active binding residues and nucleotides. Amino acids residues with the highest hydrogen bonds hydrogen bond interactions with all five aptamers were determined as the active binding residues and further characterized. The computational prediction of complexes binding will include validations through experimental assays in future studies. Current study will improve the current in vitro aptamers by minimizing the aptamer length for its easy manipulation.
  9. The assessment of three dimensional modelling design for single strand DNA aptamers for computational chemistry application
    Sabri MZ, Hamid AAA, Hitam SMS, Rahim MZA
    Biophys Chem, 2020 12;267:106492.
    PMID: 33035750 DOI: 10.1016/j.bpc.2020.106492
    Aptamers are oligonucleotides and peptides around 15-100 bases in length and are suitable as detection probes or as therapeutics molecules. There are growing interests in the aptamer screening approach through computational simulation methods. DNA and RNA modelling lacks of validation on their predicted 3D structures due to less number of validation tools, unlike protein structures. We suggest an approach to design the stem-loop/hairpin for the three dimensional structure of DNA aptamers through serial applications of computational prediction methods by comparing the simulated structures with the experimental data deposited in PDB Data bank, followed by MD simulations. The result shows minimal structural differences were observed between the designed and the original NMR aptamers, and the stem-loop conformational structures were also retained during the MD thus suggesting the proposed aptamers designing methods are able to synthesize a high quality molecular structure of hairpin aptamers, comparable to the NMR structures.
  10. Fulltext Computational Screening for the Anticancer Potential of Seed-Derived Antioxidant Peptides: A Cheminformatic Approach
    Chai TT, Koh JA, Wong CC, Sabri MZ, Wong FC
    Molecules, 2021 Dec 06;26(23).
    PMID: 34885982 DOI: 10.3390/molecules26237396
    Some seed-derived antioxidant peptides are known to regulate cellular modulators of ROS production, including those proposed to be promising targets of anticancer therapy. Nevertheless, research in this direction is relatively slow owing to the inevitable time-consuming nature of wet-lab experimentations. To help expedite such explorations, we performed structure-based virtual screening on seed-derived antioxidant peptides in the literature for anticancer potential. The ability of the peptides to interact with myeloperoxidase, xanthine oxidase, Keap1, and p47phox was examined. We generated a virtual library of 677 peptides based on a database and literature search. Screening for anticancer potential, non-toxicity, non-allergenicity, non-hemolyticity narrowed down the collection to five candidates. Molecular docking found LYSPH as the most promising in targeting myeloperoxidase, xanthine oxidase, and Keap1, whereas PSYLNTPLL was the best candidate to bind stably to key residues in p47phox. Stability of the four peptide-target complexes was supported by molecular dynamics simulation. LYSPH and PSYLNTPLL were predicted to have cell- and blood-brain barrier penetrating potential, although intolerant to gastrointestinal digestion. Computational alanine scanning found tyrosine residues in both peptides as crucial to stable binding to the targets. Overall, LYSPH and PSYLNTPLL are two potential anticancer peptides that deserve deeper exploration in future.
  11. Fulltext An enigma of Malaysia's low-income young adults: Mediation of financial behaviour on financial well-being and locus of control cohesion
    Sabri MF, Wahab R, Mahdzan NS, Magli AS, Rahim HA, Suhaimi SSA, et al.
    PLoS One, 2023;18(7):e0288204.
    PMID: 37440508 DOI: 10.1371/journal.pone.0288204
    Young adults face many significant challenges to their financial well-being. The rising cost of living and unstable economies have impacted how they consume, manage, and save monthly income to maintain their standard of living. Hence, exploring the financial well-being of young adults in Malaysia is an intriguing and relevant research topic that deserves examination from multiple perspectives. This study aims to investigate how these three factors, namely financial knowledge and locus of control with financial behaviour as a mediator, are correlated with the financial well-being of low-income young adults in Malaysia. A total of 520 young adults from North, Central, South, East zones in Peninsular Malaysia and East Malaysia were randomly chosen using a multi-stage sampling technique as the sample of this study. Data in this study were obtained using a set of questionnaire-based survey through cross-sectional study and then scrutinized using IBM SPSS (Statistical Package of Social Science). This study discovered that financial knowledge, internal and external locus of control, and financial behaviour were significantly correlated with the financial well-being of low-income young adults. The findings also demonstrate that financial behaviour mediates the correlation between financial knowledge, both internal and external locus of control, and financial well-being. This study is one of the very few important studies that explore the link between financial literacy, locus of control, financial behaviour, and financial well-being among low-income young adults. This study also found an interesting and noteworthy fact regarding the impact of the minimum monthly wage policy on highly educated young adults in Malaysia, which is worth discussing and needs to be alerted to the policymakers and leaders of the country. Therefore, the findings of this study can be utilized as a starting point by policymakers, government organizations, and non-governmental organizations to create new initiatives aimed at raising financial well-being among the younger generation.
  12. Fulltext MESMERIC: Machine Learning-Based Trust Management Mechanism for the Internet of Vehicles
    Wang Y, Mahmood A, Sabri MFM, Zen H, Kho LC
    Sensors (Basel), 2024 Jan 29;24(3).
    PMID: 38339580 DOI: 10.3390/s24030863
    The emerging yet promising paradigm of the Internet of Vehicles (IoV) has recently gained considerable attention from researchers from academia and industry. As an indispensable constituent of the futuristic smart cities, the underlying essence of the IoV is to facilitate vehicles to exchange safety-critical information with the other vehicles in their neighborhood, vulnerable pedestrians, supporting infrastructure, and the backbone network via vehicle-to-everything communication in a bid to enhance the road safety by mitigating the unwarranted road accidents via ensuring safer navigation together with guaranteeing the intelligent traffic flows. This requires that the safety-critical messages exchanged within an IoV network and the vehicles that disseminate the same are highly reliable (i.e., trustworthy); otherwise, the entire IoV network could be jeopardized. A state-of-the-art trust-based mechanism is, therefore, highly imperative for identifying and removing malicious vehicles from an IoV network. Accordingly, in this paper, a machine learning-based trust management mechanism, MESMERIC, has been proposed that takes into account the notions of direct trust (encompassing the trust attributes of interaction success rate, similarity, familiarity, and reward and punishment), indirect trust (involving confidence of a particular trustor on the neighboring nodes of a trustee, and the direct trust between the said neighboring nodes and the trustee), and context (comprising vehicle types and operating scenarios) in order to not only ascertain the trust of vehicles in an IoV network but to segregate the trustworthy vehicles from the untrustworthy ones by means of an optimal decision boundary. A comprehensive evaluation of the envisaged trust management mechanism has been carried out which demonstrates that it outperforms other state-of-the-art trust management mechanisms.
  13. Hand characteristics and functional abilities in predicting return to work in adult workers with traumatic hand injury
    Mohamad Sabri MQ, Judd J, Roslan NFA, Che Daud AZ
    Work, 2022;73(4):1245-1253.
    PMID: 36093653 DOI: 10.3233/WOR-205164
    BACKGROUND: Hand injuries affect a person's functioning, thus impeding their abilities to return to work. There is a limited understanding in return to work of the overall predictors when including hand characteristics and functional abilities. Therefore, it is essential to identify the most relevant predictors in return to work among individuals with a hand injury.

    OBJECTIVES: (1) To compare hand function characteristics and functional abilities of injured workers who have or have not returned to work. (2) To estimate hand function characteristics and functional abilities as predictors to return to work.

    METHODS: One hundred and fifteen adult workers with hand injuries aged 18- 59 years old from five general hospitals in Malaysia participated in a cross-sectional study. Predictors were estimated using logistic regression.

    RESULTS: There was a significant association between occupational sector (p = 0.012), injury duration (p = 0.024), occupational performance (p = 0.009) and satisfaction with performance (p 

  14. Fulltext Correction: An enigma of Malaysia's low-income young adults: Mediation of financial behaviour on financial well-being and locus of control cohesion
    Sabri MF, Wahab R, Mahdzan NS, Magli AS, Rahim HA, Suhaimi SSA, et al.
    PLoS One, 2025;20(1):e0318382.
    PMID: 39854426 DOI: 10.1371/journal.pone.0318382
    [This corrects the article DOI: 10.1371/journal.pone.0288204.].
  15. Translation and validation of the Malay version of the Duruöz hand index in individuals with diabetic peripheral neuropathy
    Mohd Nayan NA, Chien CW, Lokman N, Alrashdi M, Mohamad Sabri MQ, Che Daud AZ
    Hand Ther, 2025 Mar 24.
    PMID: 40160199 DOI: 10.1177/17589983251325267
    BACKGROUND: Diabetic Peripheral Neuropathy (DPN) is a prevalent complication of Type 2 Diabetes Mellitus (T2DM), leading to hand function impairments that affect daily activities and quality of life. Despite its significance, no culturally adapted tool exists for assessing hand-related activity limitations in the Malay-speaking population. This study aimed to translate, culturally adapt and validate the Duruöz Hand Index (DHI) for Malaysians with DPN.

    METHODS: A cross-sectional study was conducted in two phases: (1) translation and cultural adaptation of the DHI into Malay and (2) evaluation of its psychometric properties. Content validity was assessed by a panel of nine experts using the Content Validity Index (CVI). Face validity was evaluated through a pilot test with 10 individuals with DPN. Internal consistency (Cronbach's alpha) and test-retest reliability (Intraclass Correlation Coefficient, ICC) were measured in 30 participants with DPN. Known-group validity was examined by comparing DPN participants with healthy individuals.

    RESULTS: The content validity of the Malay-DHI was excellent and face validity confirmed that the Malay-DHI was clear and comprehensible. Internal consistency was strong across all categories (α = 0.84-0.97). Test-retest reliability demonstrated excellent stability (ICC = 0.996-1.000). Known-group validity showed a significant difference between individuals with DPN and healthy individuals (Z = -6.93, p < .001).

    CONCLUSION: The Malay version of the DHI demonstrated strong validity and reliability, making it a culturally relevant and robust tool for assessing hand function in individuals with DPN. This tool may facilitate targeted rehabilitation interventions and improve clinical outcomes.

  16. Expert Consensus on Developing the Components of a Home-Based Rehabilitation Program for Managing Urinary Incontinence Among Jordanian Women Aged 55 Years and Older: A Modified e-Delphi Study
    Al Momany R, Mat S, Al-Nassan S, Mesbah N, Sabri MQM, Singh DKA
    Int Urogynecol J, 2026 Oct;37(10):3611-3619.
    PMID: 42329400 DOI: 10.1007/s00192-026-06729-x
    INTRODUCTION AND HYPOTHESIS: Urinary incontinence (UI) is common among older women in Jordan and is often not discussed owing to embarrassment and social stigma. Home-based conservative programs may offer a practical and acceptable approach to symptom management. This study was aimed at reaching expert consensus on the essential components of a culturally appropriate, home-based multimodal pelvic health program for Jordanian women aged 55 years and older, using a modified e-Delphi method.

    METHODS: A two-round modified e-Delphi study was conducted with Jordanian physiotherapists experienced in women's health. In Round 1, experts rated 34 evidence-based items covering pelvic floor muscle training, bladder training, behavioral and lifestyle adjustments, pelvic health education, breathing and postural exercise, adherence support, delivery format, and dosage. Items were rated on a six-point Likert scale, and consensus was defined as ≥ 75% agreement. Items that did not reach consensus were revised and re-rated in Round 2, along with one new subcomponent suggested by the experts.

    RESULTS: Nineteen experts completed both rounds. In Round 1, 32 of 34 items reached consensus. In Round 2, the newly proposed subcomponent, whole-body and core strengthening, achieved full consensus. Although weight management did not reach the predefined consensus threshold, it was retained in the final program owing to its clinical importance and evidence-based relevance. Printed educational materials did not achieve consensus and were excluded. The final program consisted of 33 expert-validated components.

    CONCLUSIONS: This study established expert consensus on the components of a culturally tailored home-based pelvic health program for older Jordanian women with UI. These components provide a practical foundation for program development.

  17. Fulltext Exploring the Relationships of Financial Literacy and Financial Behaviour with Health-Related Quality of Life (HRQOL) among the Low-Income Working Population in Malaysia during the COVID-19 Pandemic
    Sabri MF, Said MA, Magli AS, Pin TM, Rizal H, Thangiah N, et al.
    Int J Environ Res Public Health, 2022 Sep 30;19(19).
    PMID: 36231818 DOI: 10.3390/ijerph191912520
    This cross-sectional study examined the relationships of financial literacy (FL) and financial behaviour (FB) with health-related quality of life (HRQOL) during the COVID-19 pandemic among low-income working population (20-60 years old) in Malaysia. A self-administered questionnaire survey was used with HRQOL data were gathered using the EuroQol 5-Dimension 5-Level (EQ-5D-5L) tool. A generalised linear model was employed to examine the hypothesised relationships between the constructs. From 1186 respondents, the majority were employed (73.9%), had a monthly household income of less than RM 2500 (74.5%), and did not have any chronic medical conditions (74.5%). The mean (SD) values of FL, FB, and EQ-5D-5L were 5.95 (1.48), 22.08 (4.79), and 0.96 (0.10), respectively. The results of the adjusted model revealed lower age group, Malay ethnicity, Indian ethnicity, and increased FB score as significant determinants of higher EQ-5D-5L scores. With the addition of the chronic medical condition factor into the saturated model, the lower age group, ethnicity, and no chronic medical condition were significant determinants of higher HRQOL. The effects of FB on QOL were confounded by chronic diseases, implying that interventions that focus on improving FB for those with chronic medical condition may help to improve the QOL among the low-income working population.
  18. Fulltext Analysing the Predictors of Financial Stress and Financial Well-Being among the Bottom 40 Percent (B40) Households in Malaysia
    Mansor M, Sabri MF, Mansur M, Ithnin M, Magli AS, Husniyah AR, et al.
    Int J Environ Res Public Health, 2022 Sep 30;19(19).
    PMID: 36231802 DOI: 10.3390/ijerph191912490
    This paper aims to analyse factors affecting financial stress among the Bottom 40 Percent (B40) group of Malaysian households, reflecting overall financial well-being. Data were collected through questionnaires from 1008 respondents across five major regions in Malaysia. The data were analysed using Exploratory Factor Analysis (EFA) and Partial Least Squares-Structural Equation Modelling (PLS-SEM). This study provides evidence that financial behaviour, financial vulnerability (debt and income), and locus of control (luck and self-confidence) significantly affect financial stress among B40 households. The results show a significantly positive relationship between financial stress with financial vulnerability (debt and income) and locus of control (self-confidence). On the contrary, financial behaviour and locus of control (luck) show a significant negative relationship with financial stress. The result also indicates that financial stress affects financial well-being. Overall, the findings indicate that policy-makers should invent more effective and substantial stimulus packages or other measures to reduce the financial burden on B40 households. The findings could eventually provide insights for future research to delve into the social impact of financial stress. This study also has established a valid and reliable instrument to measure financial stress involving B40 households in Malaysia that eventually reflects the financial well-being of this group of people.
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