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J. Othman

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Open access 2026

Determinants of Students’ Financial Behavior in Relation to Buy Now, Pay Later (BNPL) Usage: A Multiple Linear Regression Approach

This research aims to explore the determinants of financial behavior of university students towards the Buy Now Pay Later (BNPL) service in Malaysia. The study focuses on five independent variables such as BNPL Usage, Financial Literacy, Lifestyle, Financial Attitude and Impulsive Buying Behavior. The research design u...

Rusydiah Syahirah Saaluddin, J. Othman · 0 citations
Open access 2026

Determinants of Graduates Employability among Alumni at UiTM Seremban Campus: A Multiple Linear Regression Approach

Graduate employability has become an important issue as the increasing number of graduates has intensified competition in the labour market. Understanding the factors that influence graduates' employability is essential for higher education institutions to enhance graduates' career readiness and reduce graduate unemplo...

Afiqah Nuraishah Hariadi, J. Othman · 0 citations

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