Dr. Mohamad Fazli Sabri
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Dr. Mohamad Fazli Sabri

Professor
Universiti Putra Malaysia, Malaysia


Highest Degree
Ph.D. in Humanity and Social Sciences from Iowa State University, USA

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Biography

Prof. Dr. Mohamad Fazli Sabri is currently the Deputy Dean (Post Graduate Studies & Industry & Community Relations) of the Faculty of Human Ecology at Universiti Putra Malaysia. He began his academic career after completing a Bachelor of Science in Human Development, majoring in Resource Management and Consumer Studies at Universiti Putra Malaysia. He then moved forward when he received a Master of Consumer Science at Universiti Putra Malaysia and finally obtained a PhD from Iowa State University, USA, specializing in Family Finance. Fazli also holds professional qualifications such as the Registered Financial Planner (RFP) designation from the Malaysian Financial Planning Council (MFPC) and the globally recognised Certified Financial Planner (CFP) designation from the Financial Planning Association of Malaysia (FPAM). He has taught various subjects covering the key areas of Personal and Family Finance including Household Financial Management, Consumer Credit and Debt Management, Psychology of Money, Consumer and Financial Markets and Financial Advising. Fazli is actively involved in conducting much research in consumer behavior, consumer finance and financial education covering all ages, from children to senior citizens. He was invited as a visiting professor at the Faculty of Human Ecology, Bogor Agricultural University and subsequently appointed as the Country President for the Scholars Academic and Scientific Society and a member of the editorial board of the journal. Currently he also hold various position at the international such as Vice President for Asian Association for Consumer Interest and Marketing (AACIM), Board of Director for International Academy for Financial Consumers (IAFICO) and Executive Board Member for Scholars Academic and Scientific Society.

Area of Interest:

Social Sciences
100%
Human Development
62%
Public Finance
90%
Consumer Safety
75%
Resource Management
55%

Research Publications in Numbers

Books
17
Chapters
21
Articles
166
Abstracts
84

Selected Publications

  1. Yao, P., M.F. Sabri, S. Osman, N. Zainudin and Y. Li, 2023. Consumers continued intention to use online-to-offline (O2O) services in omnichannel retail: Differences between to-shop and to-home models. Sustainability, Vol. 15. 10.3390/su15020945.
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  2. Yao, P., S. Osman, M.F. Sabri and N. Zainudin, 2022. Consumer behavior in online-to-offline (O2O) commerce: A thematic review. Sustainability, Vol. 14. 10.3390/su14137842.
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  3. Sabri, M.F., N.F. Razak, E.A.C. Xi and R. Wijekoon, 2022. Going green in the workplace: Through the lens of the extended theory of planned behaviour. Pertanika J. Social Sci. Humanit., 30: 429-448.
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  4. Sabri, M.F. R. Wahab, N.S. Mahdzan, A.S. Magli and H.A. Rahim, 2022. Mediating effect of financial behaviour on the relationship between perceived financial wellbeing and its factors among low-income young adults in Malaysia. Front. Psychol., Vol. 13. 10.3389/FPSYG.2022.858630.
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  5. Li, Y., P. Yao, S. Osman, N. Zainudin and M.F. Sabri, 2022. A thematic review on using food delivery services during the pandemic: Insights for the post-COVID-19 era. Int. J. Environ. Res. Public Health, Vol. 19. 10.3390/ijerph192215267.
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  6. Khalisharani, H., I.R. Johan and M.F. Sabri, 2022. The role of information quality, trust and anxiety on intention to buy food supplements at the time of COVID-19 outbreak. Pertanika J. Social Sci. Humanit., 16: 429-447.
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  7. Khalisharani, H., I.R. Johan and M.F. Sabri, 2022. The influence of financial literacy and attitude towards financial behaviour amongst undergraduate students: A cross-country evidence. Pertanika J. Social Sci. Humanit., 30: 449-474.
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  8. Ahmad, N.S.S., N. Sulaiman and M.F. Sabri, 2022. Psychosocial factors as mediator to food security status and academic performance among university students. Int. J. Environ. Res. Public Health, Vol. 19. 10.3390/ijerph19095535.
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  9. Wijekoon, R. and M.F. Sabri, 2021. Determinants that influence green product purchase intention and behavior: a literature review and guiding framework. Sustainability, Vol. 13. 10.3390/su13116219.
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  10. Aw, E.C.X., S.H.W. Chuah, M.F. Sabri and N.K. Basha, 2021. Go loud or go home? how power distance belief influences the effect of brand prominence on luxury goods purchase intention. J. Retailing Consum. Serv., 10.1016/j.jretconser.2020.102288.
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  11. Ahmad, N.S.S., N. Sulaiman and M.F. Sabri, 2021. Food insecurity: is it a threat to university students’ well-being and success? Int. J. Environ. Res. Public Health, Vol. 18. 10.3390/ijerph18115627.
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  12. Simanjuntak, M., N.E. Putri, L.N. Yuliati and M.F. Sabri, 2020. Enhancing customer retention using customer relationship management approach in car loan bussiness. Cogent Bus. Manage., 10.1080/23311975.2020.1738200.
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  13. Simanjuntak, M., H.R. Nur, B. Sartono and M.F. Sabri, 2020. A general structural equation model of the emotions and repurchase intention in modern retail. Manage. Sci. Lett., 10: 801-814.
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  14. Sabri, M.F., R. Wijekoon and H.A. Rahim, 2020. The influence of money attitude, financial practices, self-efficacy and emotion coping on employeesu2019 financial well-being. Manage. Sci. Lett., 10: 889-900.
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  15. Aw, E.C-Xi. and M.F. Sabri, 2020. Single mothers’ subjective well-being: empirical evidence from Malaysia. Health Care Women Inter., 10.1080/07399332.2020.1744148.
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  16. Sabri, M.F., N.F. Razak and R. Wijekoon, 2019. The mediation effect of intention in the pro-environmental workplace (PEW)) behavior of Malaysian public employees. Manage. Sci. Lett., 9: 1567-1576.
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  17. Yusof, R., M.F. Sabri, H.A. Rahim and Z.M. Juosh, 2018. Examining the behavioural intention to save in a voluntary retirement fund in Malaysia. Malays. J. Consum. Family Econ., 21: 78-102.
  18. Yuliandi, S., A., M.F. Sabri, H.A. Rahim and S. Osman, 2018. The mediation effect of self-coping mechanism between financial strains and financial security of single mothers in Malaysia. Malays. J. Consum. Family Econ., 21: 103-123.
  19. Sabri, M.F., T.M. Dass and N.N. Ramli, 2018. Smart money kit: An innovative learning tool for kids. Int. J. Humanit. Social Sci., 6: 30-36.
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  20. Rahim, H.A., M.A. Othman, M.F. Sabri and Z.M. Jusoh, 2018. Influential predictors for financial adequacy among Malaysian public sector employees. Aust. J. Bus. Sci. Des. Lit., 11: 1-14.
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  21. Mokhtar, N., T.A.M. Dass, M.F. Sabri and C.S.F. Ho, 2018. A preliminary evaluation of financial literacy in Malaysia. J. Wealth Manage. Financial Plann., 5: 3-16.
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  22. Mokhtar, N., M.F. Sabri, C.S.F. Ho and T.A.M. Dass, 2018. Profile and differences in financial literacy: Empirical evidence. Malays. J. Consum. Family Econ., 21: 164-185.
  23. Khalid, N.M., E. Abu Bakar, N. Sulaiman and M.F. Sabri, 2018. The concept of social capital in disaster management. J. Islamic Social Econ. Dev., 12: 25-35.
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  24. Ahmad, S.Y., M.F. Sabri, H.A. Rahim and S. Osman, 2018. Self-coping mechanism of single mothers to achieve financial security in life. Int. J. Stud. Children Women Elderly Disabled, 3: 91-102.
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  25. Yusof, R. and M.F. Sabri, 2017. Determinants of retirement savings. Malays. J. Consum. Family Econ., 20: 168-183.
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  26. Sabri, M.F., T.M. Dass, L.M. Poh, N.L. Zakaria, R. Wahab and N.N. Ramli, 2017. Does the Bijak Wang (smart money) programme benefit schoolgoing children? Malays. J. Consum. Family Econ., 20: 123-143.
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  27. Sabri, M.F., N. Abdullah, M. Zenhendel and S.Y. Ahmad, 2017. Moderation effect of gender on financial literacy, money attitude, financial strains and financial capability. Malays. J. Consum. Family Econ., 20: 83-101.
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  28. Sabri, M.F., A. Thinagaran and L.M. Dass, 2017. The financial status, financial problems and personal well-being of urban poor youths. Int. J. Acad. Res. Bus. Social Sci., 7: 665-672.
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  29. Sabri, M.F. and L.M. Poh, 2017. How financially literate is today's youth? Int. J. Asian Social Sci., 7: 810-824.
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  30. Sabri, M.F. and L.M. Poh, 2017. Financial knowledge and financial practices of youth: Gender and ethnicity differences. Open J. Econ. Finance, 1: 47-53.
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  31. Sabri, M.F. and H.A. Hariza, 2017. Consumer in the New Millenium. Penerbit UPM, Malaysia.
  32. Poh, L.M. and M.F. Sabri, 2017. Financial knowledge, financial management practices, financial pressure and financial stability among single female households in Malaysia. Malays. J. Consum. Family Econ., 20: 131-145.
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  33. Lee, M.P. and M.F. Sabri, 2017. Review of financial vulnerability studies. Arch. Bus. Res., 5: 127-134.
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  34. Khalid, N.M., E. Abu Bakar, N. Sulaiman and M.F. Sabri, 2017. Consumer protection in the aviation industry in Malaysia. J. Pengguna Malaysia, 28: 92-105.
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  35. Jusoh, O.C., M.F. Sabri, I.A. Ismail and T. Suandi, 2017. Comparison of students’perception towards the effectiveness, early reaction, and acceptance of knowledge and skills during the 'Skuad Jelajah Motivasi Pendidikan dan Kepenggunaan' Programme. J. Educ. Social Sci., 8: 18-25.
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  36. Husniyah, A.R., S.M. Fazli, S. Norhasmah, O.M. Amim, S. Norhafifah and M.R.F. Farwizah, 2017. Financial practices and physical health influencing financial health of Malaysian employees. Malays. J. Consum. Family Econ., 20: 1-20.
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  37. Husniyah, A.R., A.R.A. Fauzi, S.M. Fazli, O.M. Amim and A.R. Roziah, 2017. Malaysian Employees' Gold Investment Behaviour. In: Consumers in the New Millennium, Fazli, S.M. and H.A. Hariza (Eds.). Penerbit UPM, Serdang, Malaysia, pp: 60-75.
  38. Fazli, S.M. and Z.N. Farhana, 2017. Financial Strain and Financial Capability of Malaysian Young Employees. In: Consumers in the New Millennium, Fazli, S.M. and H.A. Hariza (Eds.). Penerbit UPM, Serdang, Malaysia, pp: 15-36.
  39. Fazli, S.M. and H.A. Hariza, 2017. Introduction. In: Consumers in the New Millennium, Fazli, S.M. and H.A. Hariza (Eds.). Penerbit UPM, Serdang, Malaysia, pp: 1-14.
  40. Fauzi, A.A., A.R. Husniyah, S.M. Fazli and O.M. Amim, 2017. Financial Risk Tolerance as a Predictor for Malaysian Employees' Gold Investment Behavior. In: Regional Studies on Economic Growth, Financial Economics and Management, Bilgin, M.H., H. Danis, E. Demir and U. Can (Eds.). Springer, Cham, Switzerland, ISBN-13: 978-3-319-54112-9, pp: 63-76.
  41. Dass, T.A.M. and M.F. Sabri, 2017. The financial status and factors affecting personal well-being among urban poor in Kuala Lumpur. Malays. J. Social Sci. Humanit., 2: 21-39.
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  42. Chikezie, O.C. and M.F. Sabri, 2017. The financial well-being of nigerian students in Universiti Putra Malaysia. J. Educ. Social Sci., 6: 287-294.
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  43. Ahmad, S.Y., M.F. Sabri, H.A. Rahim and S. Osman, 2017. Factors predicting financial security of female headed households. J. Emerg. Econ. Islamic Res., 5: 25-38.
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  44. Abdullah, N. and M.F. Sabriis, 2017. Malaysian consumer spending patterns during festive season. Int. J. Humanit. Social Stud., 5: 224-229.
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  45. Wahab, R., M.F. Sabri and N.N. Ramli, 2016. Money literacy, shopping and puchasing patterns among primary school students in Malaysia. J. Educ. Hum. Dev., 5: 146-162.
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  46. Wahab, A.F.A., H.A. Rahim, M.F. Sabri, M.A. Othman and R.M. Rasdi, 2016. Gold investment intention among urban public sector employees in Malaysia. Malays. J. Consum. Family Econ., 19: 101-114.
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  47. Sabri, M.F. and S.F.Z. Abdullah, 2016. Measuring the impact of POWER! Programme. Saudi J. Bus. Manage. Stud., 1: 26-31.
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  48. Rahim, H.A., M.A. Othman, M.F. Sabri and Z.M. Jusoh, 2016. Influential predictors for financial adequacy among Malaysian public sector employees. Aust. J. Bus. Econ. Stud., 2: 1-11.
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  49. Nair, Y., L. Paim, M.F. Sabri and H.A. Rahim, 2016. Financial ratios and the probabilistic prediction of bankruptcy among Malaysian civil servants. J. Emerg. Econ. Islamic Res., Vol. 4, No. 2. .
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  50. Nair, Y., L. Paim, M. Sabri and H.A. Rahim, 2016. Predictors of bankruptcy probability among Malaysian civil servants: Examining the subjective measurement. J. Emerg. Econ. Islamic Res., Vol. 4, No. 1. .
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  51. Juen, T.T. and M.F. Sabri, 2016. Factors affecting retirement confidence among women in Peninsular Malaysia government sectors. Malays. J. Consum. Family Econ., 19: 53-68.
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  52. Ahmad, S.Y., M.F. Sabri, H.A. Rahim and S. Osman, 2016. Mediating effect of self-coping mechanisms on associations between financial practices and financial security of female-headed households. Malays. J. Consum. Family Econ., 19: 143-160.
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  53. Yunus, Y., M.F. Sabri and S.Y. Ahmad, 2015. Debt management of young employees and its determinants. Malays. J. Youth Stud., 12: 139-156.
  54. Sabri, M.F., T.T. Juen, M.A. Othman and H.A. Rahim, 2015. Financial literacy, financial management practices and retirement confidence among women working in government agencies: A mediation model. J. Dev. Areas, 49: 405-412.
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  55. Sabri, M.F., H.A. Rahim and M.A. Othman, 2015. Retirement Confidence and Financial Security among Working Women. Lambert Academic Publishing, Germany, ISBN-13: 978-3-659-66739-8, Pages: 132.
  56. Sabri, M.F. and S.Y. Ahmad, 2015. Financial security among working women. Malays. J. Consum., 24: 113-130.
  57. Sabri, M.F. and N.F. Zakaria, 2015. The influence of financial literacy, money attitude, financial strain and financial capability on young employees' financial well-being. Pertanika J. Social Sci. Humanit., 23: 827-848.
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  58. Mokhtar, N., A.R. Husniyah, M.F. Sabri and M. Abu Talib, 2015. Using Dollahite's ABCD-XYZ resource management model of crisis or stress as a framework for understanding financial well-being. Int. J. Humanit. Social Sci., 5: 219-228.
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  59. Mokhtar, N., A.R. Husniyah, M.F. Sabri and M. Abu Talib, 2015. Financial well-being among public employees in Malaysia: A preliminary study. Asian Social Sci., 11: 49-54.
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  60. Hira, T.K., M.F. Sabri and C. Loibl, 2015. Not a black and European-Americans question: How are investor behavior and perceptions related to race and ethnicity? Malays. J. Consum. Family Econ., 18: 114-129.
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  61. Gudmunson, C.G., V.S. Zuiker, M.J. Katras and M.F. Sabri, 2015. Enhancing personal and family finance courses using case studies. Coll. Student J., 49: 321-330.
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  62. Gill, S.S., A.T. Talib, M.F. Sabri, A.H. Mohad, P. Kunasekaran and I.A. Ismail, 2015. The consumerism issues of the native communities of Sabah. J. Pengguna Malaysia, 25: 1-10.
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  63. Fazli, S.M. and Z.N. Farhana, 2015. Financial Well-Being among Young Employees in Malaysia. In: Behavioral Finance and Investment Strategic: Decision Making in the Final Industry, Copur, Z. (Ed.). Chapter 13, IGI Global, USA., ISBN-13: 9781466674844, pp: 229-243.
  64. Fallahi, B., H.B.A. Rahim, A.H. Hashim and M.F. Sabri, 2015. The relationship between background characteristics and housing satisfaction of Iranian homeowners in Kuala Lumpur, Malaysia. J. Educ. Health Community Psychol., 4: 84-92.
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  65. Fallahi, B., A.H. Hashim, H.B.A. Rahim and M.F. Sabri, 2015. Relationship between background characteristics and neighborhood satisfaction of Iranian homeowners in Kuala Lumpur, Malaysia. Res. Humanit. Social Sci., 5: 48-53.
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  66. Falahati, L. and M.F. Sabri, 2015. An exploratory study of personal financial wellbeing determinants: Examining the moderating effect of gender. Asian Social Sci., 11: 33-42.
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  67. Anthony, R. and M.F. Sabri, 2015. Financial management practices of medical practitioners in the private and public medical service in Malaysia. Int. Rev. Manage. Bus. Res., 4: 1105-1117.
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  68. Ahmad, S.Y. and M.F. Sabri, 2015. Financial security of female-headed households: A preliminary study. Asian J. Social Sci. Humanit., 4: 68-77.
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  69. Sabri, M.F., S.Y. Ahmad and N.F. Ahmad, 2014. Awareness among Malaysian public on Credit Counselling and Debt Management Agency (CCDM) and its services. Malays. J. Consum., 22: 69-84.
  70. Sabri, M.F., 2014. The development of consumer protection policies in Malaysia. Int. J. Bus. Social Res., 4: 98-108.
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  71. Sabri, M.F. and T.T. Juen, 2014. The influence of financial literacy, saving behaviour and financial management on retirement confidence among women working in the Malaysian public sector. Asian Social Sci., 10: 40-51.
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  72. Sabri, M.F. and T.T. Juen, 2014. The effects of financial literacy, financial management and saving motives on financial well-being among working women. J. Wealth Manage. Financial Plann., 1: 20-32.
  73. Sabri, M.F. and R.N. Nira, 2014. Guide Book: Bright Kids Smart Money-Managing Money is Easy as ABCD. Bijak Wang Enterprise, Malaysia.
  74. Sabri, M.F. and R.N. Nira, 2014. 10 Smart Ways to Smart Money with Daniel and Dynas. Buku Prima Sdn. Bhd., Malaysia.
  75. Sabri, M.F. and L. Falahati, 2014. Toward a framework of financial wellness determinants: Investigating the moderating effect of religion. Aust. J. Basic Applied Sci., 8: 275-281.
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  76. Rahim, H.A. and M.F. Sabri, 2014. Malaysian public sector employees' financial preparedness and implemented financial plan. J. Wealth Manage. Financial Plann., 1: 33-42.
  77. Ahmad, S.Y. and M.F. Sabri, 2014. Understanding financial security from consumer's perspective: A review of literature. Int. J. Humanit. Social Sci., 4: 110-117.
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  78. Zakaria, N.F., M.F. Sabri, M.A. Othman, H.A. Rahim and A.M.M. Arif, 2013. Determinants of financial capability among young employees in Malaysia. Malays. J. Youth Stud., 9: 1-22.
  79. Zakaria, N.F. and M.F. Sabri, 2013. Review of financial capability studies. Int. J. Humanit. Social Sci., 3: 197-203.
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  80. Sabri, M.F., L. Paim, L. Falahati and J. Masud, 2013. Determinants of employees' financial well-being: The moderation effect of work sectors. Malays. J. Consum. Family Econ., 16: 91-106.
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  81. Juen, T.T., M.F. Sabri, H.A. Rahim, M.A. Othman and A.M.M. Arif, 2013. The influence of financial knowledge, financial practices and self-esteem on money management skills of young adults. Malays. J. Youth Stud., 9: 23-37.
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  82. Hira, T.K., M.F. Sabri and C. Loibl, 2013. Financial socialization's impact on investment orientation and household net worth. Int. J. Consum. Stud., 37: 29-35.
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  83. Falahati, L., L.H. Paim and M.F. Sabri, 2013. An exploratory model of personal financial well-being among Malaysian youth: A gender perspective. Asia Life Sci., 22: 687-698.
  84. Sabri, M.F., M. MacDonald and J. Masud, 2012. Determinants of college students' financial behavior and financial problem. Arch. Sci. J., 65: 268-277.
  85. Sabri, M.F., C.C. Cook, M.C. Shelley, T.K. Hira, S.B. Garasky and P.M. Swanson, 2012. The relation of early childhood consumer experience, financial socialization and financial knowledge with perceived financial well-being. Asia Life Sci., 21: 537-563.
  86. Sabri, M.F., C.C. Cook and C.G. Gudmunson, 2012. Financial well-being of Malaysian college students. Asian Educ. Dev. Stud., 1: 153-170.
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  87. Sabri, M.F. and L. Falahati, 2012. Estimating a model of subjective financial well-being among college students. Int. J. Hum. Social Sci., 2: 191-199.
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  88. Masud, J., M.F. Sabri and S.A. Haron, 2012. Ethnic differences in financial practices of Malaysian elderly. Malays. J. Consum. Family Econ., 15: 54-70.
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  89. Husniyah, A.R., M.F. Sabri, Z.M. Jusoh, E. Abu Bakar, A. NurAtika and K. Subramaniam, 2012. Debt load, financial practices and locus control effects' on worker's financial well-being. Int. J. Social Policy Soc., 9: 6-26.
  90. Falahati, L., M.F. Sabri and L.H. Paim, 2012. Assessment a model of financial satisfaction predictors: Examining the mediate effect of financial behaviour and financial strain. World Applied Sci. J., 20: 190-197.
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  91. Falahati, L. and M.F. Sabri, 2012. Pathway to financial behavior and financial strain: A mediating effect of financial literacy and financial skills. Arch. Sci. J., 65: 258-267.
  92. Sabri, M.F., 2011. Review of college students' financial knowledge and literacy studies. Malays. J. Consum., 17: 70-79.
  93. Sabri, M.F., 2011. Consumers' knowledge, attitudes and adoption of electronic banking technologies. Malays. J. Consum., 17: 22-33.
  94. Jariah, M., A.R. Husniyah, S.M. Fazli and P. Laily, 2011. Financial Well-Being of Youth. In: Malaysian Youth in the Global World: Issues and Challenges, Azman, H., B.A. Hamid and Z. Othman (Eds.). Chapter 6, Penerbit Universiti Kebangsaan Malaysia, Selangor, Malaysia, ISBN-13: 9789679429589.
  95. Sabri, M.F., M. MacDonald, T.K. Hira and J. Masud, 2010. Childhood consumer experience and the financial literacy of college students in Malaysia. Family Consum. Sci. Res. J., 38: 455-467.
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  96. Sabri, M.F. and M. MacDonald, 2010. Savings behavior and financial problems among college students: The role of financial literacy in Malaysia. Cross-Cult. Commun., 6: 103-110.
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  97. Sabri, M.F. and O. Mumtazah, 2010. Financial literacy: Research, education and policy implication. Malays. J. Consum., 14: 53-71.
  98. Delafrooz, N., L. Paim, M.F. Sabri and J. Masud, 2010. Effects of financial wellness on the relationship between financial problem and workplace productivity. World Applied Sci. J., 10: 871-878.
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  99. Hashim, A.H., M.F. Sabri, M.A. Othman, S.A. Zainal Badari, J. Askiah and H.A. Rahim, 2008. Fear for safety and fear of crime among elderly living in high rise housing in urban Malaysia. Social Welfare J., 32: 1-18.
  100. Sabri, M.F., C.R. Hayhoe and G.L. Ai, 2006. Attitudes, values and belief towards money: Gender and working sector comparison. Pertanika J. Social Sci. Humanit., 14: 121-130.
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  101. Sabri, M.F. and J. Masud, 2005. Consumer socialization of adolescents in Malaysia. Malays. J. Social Policy Soc., 1: 81-96.
  102. Jariah, M. and S. Fazli, 2005. Financial behavior of college students: Gender comparison. Malays. J. Consum. Family Econ., 8: 51-61.
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  103. Sabri, M.F. and L. Falahati, 2003. Predictors of financial well being among Malaysian employee: Examining the mediate effect of financial stress. J. Emerg. Econ. Islamic Res., Vol. 1, No. 3. .
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  104. Jariah, M., Z. Zumilah, P. Laily, H.S. Azizah and M.F. Sabri, 2003. A Study on Consumer Preferences for Locally Produced Food Products. Universiti Putra Malaysia, Malaysia.
  105. Jariah, M., P. Laily, H.S. Azizah, Z. Zumilah and M. Fadzli, 2003. Food purchasing behaviour of metropolitan consumers. Malays. J. Consum. Family Econ., 6: 1-10.