Mohd Samsuri  Ghazali, Ilyani  Azer, Siti Aishah  Mohamad, Nur Afizah Muhamad  Arifin, Azmi  Mat, 
    “Personal Financial Literacy among High School Students in
Raub Pahang, Malaysia”,
    Journal of Engineering and Applied Sciences,
    Volume 12,Issue 7,
    2017,
    Pages 1830-1834,
    ISSN 1816-949x,
    jeasci.2017.1830.1834,
    (https://makhillpublications.co/view-article.php?doi=jeasci.2017.1830.1834)
    Abstract: Topics on personal finance literacy are still considered minimal in Malaysia. If there are surveys on
them done by researchers the majority of the studies focused on residents as a whole and did not directly
address the youngsters. This study aimed to verify Malaysian student’s level of personal financial literacy and
focused on investigating the effects of gender, ethnicity, age and bank account ownership on a student’s
financial knowledge. In addition, this study also aimed to analyze the relationship between the student’s
educational background and personal financial literacy. This study utilized the descriptive analysis,
independent samples t-test and one-way anova analysis in order to achieve the research objective. It was found
that the high school students were not financial literate and the findings were consistent with several academic
works conducted on the topic globally. The results were alarming and a sign for the government to undertake
drastic action in increasing the literacy of high school student’s personal financial knowledge.
    Keywords: Personal financial literacy;high school students;knowledge;alarming;descriptive