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Data were collected through a questionnaire and analyzed from 223 respondents with multiple regression analysis. Results indicate that personal financial distress is affected by financial knowledge, financial attitude, and financial behavior. The findings provide actionable insights for academics and practitioners aiming to reduce personal financial distress through improved financial literacy.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/the-effect-of-financial-literacy-on-personal-financial-distress-from-palestinian-university-employees-point-of-view/628485/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/the-effect-of-financial-literacy-on-personal-financial-distress-from-palestinian-university-employees-point-of-view/628485.png","ImageObject",300,407,{"name":92,"@type":93},"Olivia Brown","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-30","2026-10-21",true,{"@type":102,"interactionType":103,"userInteractionCount":24},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"What is the main objective of the study?","Question",{"text":112,"@type":113},"The study investigates the influence of financial literacy on personal financial distress from the perspective of Palestinian university employees.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"How were the research data collected and analyzed?",{"text":117,"@type":113},"A questionnaire was created using a descriptive-analytical method, and data from 223 respondents were analyzed using multiple regression analysis.",{"name":119,"@type":110,"acceptedAnswer":120},"Which components of financial literacy affect personal financial distress?",{"text":121,"@type":113},"Personal financial distress is influenced by financial knowledge, financial attitude, and financial behavior.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},628485,1793005200,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":24,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":139,"language":140,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":67,"update_tm":144,"read_time":145},16904993612988,"https://ap-avatar.wpscdn.com/davatar_a8503ba1806abce46bf441b54a3ca4cd","The Effect of Financial Literacy on Personal Financial Distress from Palestinian University Employees Point of View  \nBassam Al-Agha and Mohammed Salem(B)  \nUniversity College of Applied Sciences, Gaza, Palestine  \n{belagha,[mzsalem}@ucas.edu.ps](mzsalem}@ucas.edu.ps)  \nAbstract. The objective of this study is to examine the influence of financial literacy on personal financial distress from Palestinian university employees point of view. A questionnaire was created using a descriptive-analytical method to collect data from the Palestinian university employees in the Gaza Strip. The data from 223 respondents was analyzed using multiple regression analysis. The findings demonstrated that the dependent variable (personal financial distress) was influenced by the independent factors (financial knowledge, financial attitude, and financial behavior) . While this study builds on past research, it also gives information that academics and practitioners may utilize to decrease personal financial distress.  \nKeywords: Personal financial distress · Financial knowledge · Financial  \nattitude · Financial behavior · Palestine  \n1 Introduction  \nFinancial literacy is a global issue that impacts almost every country. A suitable level of financial literacy is essential for a person’s and his family’s financial well-being. Consumer behavior can be influenced by poor money management, making them more vulnerable to financial calamity. Raising financial literacy knowledge is becoming increasingly important since it can reduce the risk of being misled when making investment decisions [1, 2]. People with a better level of financial literacy are more confident in making personal financial decisions, and their monetary results are more suitable, according to De Bassa Scheresberg [3]. When making their own financial decisions, they employ both saving and investing financial tools. They’re also more inclined to take out highinterest loans. People with less financial expertise, on the other hand, prefer to limit their financial decisions to ongoing obligations, such as using credit cards instead of more cost-effective options. People must have sufficient financial literacy in order to enhance their level of living. However, several studies have found that individuals throughout the worldwide, including in Palestine, are financially illiterate, and that action is needed to solve this problem [4, 5] .  \nIndividual factors of personal financial distress have always sparked the interest of social scientists. While social scientists might not have been able to investigate all the  \n© The Author(s), under exclusive license to Springer Nature Switzerland AG 2023  \nB. Alareeni and A. Hamdan (Eds.): ICBT 2022, LNNS 495, pp. 159–169, 2023 .  \n[https://doi.org/10.1007/978-3-031-08954-1](https://doi.org/10.1007/978-3-031-08954-1_14)[_](https://doi.org/10.1007/978-3-031-08954-1_14)[14](https://doi.org/10.1007/978-3-031-08954-1_14)  \n160 B. Al-Agha and M. Salem  \ncauses of financial distress, it is critical to have a deeper understanding of how individual disparities in financial knowledge and behavior lead to personal financial distress [6] . Asa result, it’s crucial to understand how a person learns to make sound financial judgments [7] . Combining financial knowledge, attitude, and behavior in a model will result in a thorough comprehension of the subject [8]. While conceding the difficulty of developing a multidisciplinary measure, Potrich et al.[9]emphasized the need of a variety offinancial literacy measures aimed at achieving a minimal level of financial knowledge, attitude, and behavior. Except for financial behavior, it is obvious that financial literacy has not been researched as a developmental process [8] . As a result, to comprehend the causal link between knowledge, attitude, and behavior in a financial literacy framework, which is the prime purpose, a thorough study is required.  \nIn financial literacy research, econometrics analysis is frequently employed. The current paper, on the other ","cbCaivJCyLLLmB3y","https://ap.wps.com/l/cbCaivJCyLLLmB3y","pdf",350865,11,"English","# Abstract\n# 1 Introduction\n## 2 Theoretical Background\n## 2.1 Financial Distress","[{\"question\":\"What is the main objective of the study?\",\"answer\":\"The study investigates the influence of financial literacy on personal financial distress from the perspective of Palestinian university employees.\"},{\"question\":\"How were the research data collected and analyzed?\",\"answer\":\"A questionnaire was created using a descriptive-analytical method, and data from 223 respondents were analyzed using multiple regression analysis.\"},{\"question\":\"Which components of financial literacy affect personal financial distress?\",\"answer\":\"Personal financial distress is influenced by financial knowledge, financial attitude, and financial behavior.\"}]","The Effect of Financial Literacy on Personal Financial Distress from Palestinian University Employees Point of View | PDF",1792616758,28]