Predicting debt burden status among Malaysia civil servants

Under the pressure of high inflation and cost of living, concerns have arisen over the debt problem among civil servants in Malaysia. Therefore, this paper aims to investigate the determinants of debt burden status within a civil servants sample. Questionnaires were distributed using multi-stage random sampling method. A total of 600 respondents were collected. Results from logistic regression showed several significant predictors of debt burden status, namely savings to income ratio, financial status, and income adequacies. This study outlined predictors of debt burden status among Malaysian civil servants, providing civil servants some ideas to counter debt issues which have been prevalent for a long time.