The research is to explore the predictors of personal financial wellbeing among local government employees in MBSA, Shah Alam Selangor. The issues of personal financial management had been highlighted in the mass media since cases of bankruptcy and incompetency of personal financial management had been discussed by the government due to negative implication to the Malaysian people. This research attempted to find solutions in how public servants especially can be helped from personal financial troubles. Based on the So-hyun Joo (1988) conceptual model, there are four independent variables to measure financial stressor that consist of demography characteristics, personal financial stressor, family financial stressor and financial situation financial stressor whereby four dependent variables to measure personal financial wellbeing that consist of subjective perception, behavioural assessment, objective and overall satisfaction. The data was collected using questionnaires and analyse using SPSS. The finding indicated that personal financial stressor is the main predictors that can determine personal financial wellbeing in term of subjective perception, behavioural assessment, objective and overall financial wellbeing. The family financial stressor is the predictor of personal financial wellbeing in term of subjective perception and financial situation financial stressor is the predictor of personal financial wellbeing in term of subjective perception and objective.. hence the personal financial management module from the responsible agency such as AKPK and other financial consultant should be strengthen for effective measurement to overcome personal financial matters among government servants and to public generally.
