Rayenda Khresna Brahmana|Ritzky Karina Brahmana
The Financial Planning and Financial Literacy of ex-Malaysia Indonesian Migrant Workers
Universiti Malaysia Sarawak|Petra Christian University|Universiti Malaysia Sarawak|Petra Christian University
indonesian migrant workers imw face life difficulties returning back indonesiathis contrary condition considering contribution home family indonesia working abroadliterature mentions financial planning root poverty eximwtherefore research adopts literacy theory explain phenomenonthis research conducted survey among 548 eximw measures financial literacy financial planningthis research also maps asset ownership examine relationship financial literacy asset ownershipoverall research documents financial literacy contributes statistically significantly positively financial planningfurthermore research shows asset ownership closely related financial literacyin nutshell research concludes important migrant workers good knowledge financial issues good financial literacy helps migrant workers plan finance budget much better thereby helping avoid poverty traptherefore policymakers migrant worker authorities andor indonesian embassies abroad institute financial education programmes migrant workers return indonesia