Reliability Analysis on Digital Literacy Skills, Digital Financial Inclusion and Socio-Economic Development Among B40 in Selangor

Authors

  • Naily Irdina Iman Mohammad Nazim Faculty of Information Science, Universiti Teknologi MARA Selangor Branch, Puncak Perdana Campus, 40150 Shah Alam, Selangor, Malaysia
  • Shamila Mohamed Shuhidan Faculty of Information Science, Universiti Teknologi MARA Selangor Branch, Puncak Perdana Campus, 40150 Shah Alam, Selangor, Malaysia
  • Husain Hashim Faculty of Information Science, Universiti Teknologi MARA Selangor Branch, Puncak Perdana Campus, 40150 Shah Alam, Selangor, Malaysia
  • Mohammad Fazli Bin Baharuddin Faculty of Information Science, Universiti Teknologi MARA Selangor Branch, Puncak Perdana Campus, 40150 Shah Alam, Selangor, Malaysia
  • Yunus Winoto Faculty of Communication Science Universitas Padjadjaran, Kabupaten Sumedang, Jawa Barat 45363, Indonesia
  • Mohd Saiful Rahman Tuxuri Sdn. Bhd. Unit 3-12-09, UBP Tower 3, UOA Business Park, No 1, Jalan Pengaturcara U1/51A, Section U1, 40150 Shah Alam, Selangor, Malaysia

DOI:

https://doi.org/10.24191/jikm.v15i2.6012

Keywords:

B40 Groups , Digital Financial Inclusion , Digital Literacy Skills , Socio-Economic Development

Abstract

This study aims to examine the validity of metrics used to evaluate the digital literacy skills, digital financial inclusion, and socioeconomic development of the B40 group in Selangor. This study looks at how these variables relate to one another and how interdependent they are. The questionnaire consists of six sections, including demographics, ICT skills, socio-economic development, digital literacy, digital financial inclusion, challenges and suggestions. The B40 groups in Selangor are intended to be included in the sample. A 56-item questionnaire was created after the literature was reviewed. The instrument was examined by a group of subject-matter experts to guarantee the validity, reliability, and normalcy of the results. Thirty respondents participated in a pilot study that was also carried out. Data was analyzed using statistical software. The results of the analysis show that there are no anomalies in the data and that the instrument is reliable.

References

Amin, A., & Zolkifeli, Z. (2018). Analysis dimensions of social capital among poverty group in suburbs areas. The Journal of Social Sciences Research, 4(12), 618–620.

Annuar, A. (2023, October 10). More measures needed in addressing income inequality. https://themalaysianreserve.com/2023/10/10/more-measures-needed-in-addressing-income-inequality/

Baron, R. J. (2019). Digital Literacy. The International Encyclopedia of Media Literacy, 1–6. https://doi.org/10.1002/9781118978238.ieml0053

De Bruin, W. B., & Slovic, P. (2021). Low numeracy is associated with poor financial well-being around the world. PloS One, 16(11), e0260378. https://doi.org/10.1371/journal.pone.0260378

Dosm. (2022). Department of Statistics Malaysia. https://www.dosm.gov.my/

Fang, Y. X., Gill, S. S., Kunasekaran, P., Rosnon, M. R., Talib, A. T., & Abd Aziz, A. (2022). Digital Divide: An inquiry on the Native communities of Sabah. Societies, 12(6), 148. https://doi.org/10.3390/soc12060148

Hicks, T., Baleja, K., & Zhang, M. (2019). Digital Literacy. Communication. https://doi.org/10.1093/obo/9780199756841-0239

Ishfaq, N., Qamri, G. M., Ajmal, Z., Khan, Q. R., & Akbar, A. (2024). Investigation of causal linkages between financial development and economic growth: Evidence from Pakistan. iRASD Journal of Economics, 6(1), 10–26. https://doi.org/10.52131/joe.2024.0601.0191

Julien, H. (2019). Digital literacy in theory and practice. In IGI Global eBooks (pp. 2243–2252). https://doi.org/10.4018/978-1-5225-2255-3.ch195

Kaya, H. D. (2021). How do the Banking Systems of High Income Countries differ from others? Financial Markets, Institutions and Risks, 5(1), 42–49. https://doi.org/10.21272/fmir.5(1).42-49.2021

Kusumastuti, A., & Nuryani, A. (2020). Digital Literacy Levels in ASEAN (comparative study on ASEAN countries). Proceedings of the Proceedings of the 13th International Interdisciplinary Studies Seminar, IISS 2019, 30-31 October 2019, Malang, Indonesia. https://doi.org/10.4108/eai.23-10-2019.2293047

Li, Y., Yang, H., & Luo, L. (2021). Poverty exposure and cognitive abilities of children in rural China: Causation and the roles of family investments. Children and Youth Services Review, 121, 105747. https://doi.org/10.1016/j.childyouth.2020.105747

Liu, C., Wang, Q., & Lan, S. (2022). Digital Literacy and financial market participation of middle-aged and elderly adults in China. Economic and Political Studies, 11(4), 441–468. https://doi.org/10.1080/20954816.2022.2115191

Martini, M., Triharyati, E., & Rimbano, D. (2022). Influence of financial technology, financial literacy, and intellectual capital on financial inclusion in micro, small, and medium enterprises (MSMEs). Ilomata International Journal of Tax and Accounting, 3(4), 408–420. https://doi.org/10.52728/ijtc.v3i4.572

Othman, A. K., et al. (2023). Impact of Internet Access and Accessibility Initiatives in Facilitating Students’ M40 and B40 Groups’ Needs during COVID-19 Prevention Measure Period. Information Management and Business Review.

Rahman, M. A., Sani, N. S., Hamdan, R., Othman, Z. A., & Bakar, A. A. (2021). A clustering approach to identify multidimensional poverty indicators for the bottom 40 percent group. PloS One, 16(8), e0255312. https://doi.org/10.1371/journal.pone.0255312

Romeli, R. H. (2023, October 2). B40, M40 and T20: A Closer Look at Malaysia’s Income Groups. Iproperty.com.my. https://www.iproperty.com.my/guides/what-is-b40-m40-t20-in-malaysia-67464

Shafizan, M. (2022). Digital literacy practices in Malaysia: Bridging the gap for the B40 group. Malaysian Journal of Digital Literacy, 10(3), 78-92.

Surianarayanan, C. (2019). An introduction to Digital Transformation Technologies. International Journal of Industrial Engineering Research and Development, 10(2). https://doi.org/10.34218/ijaret.11.2.2020.040

Tsouli, D. (2022). Financial Inclusion, poverty, and income inequality: Evidence from European countries. Ekonomika, 101(1), 37–61. https://doi.org/10.15388/ekon.2022.101.1.3

Zhang, Z., & Wang, Y. (2022). Rewards of the digital economy: Digital adoption levels and income generation in rural households. SSRN. https://doi.org/10.2139/ssrn.4167079

Downloads

Published

06-10-2025

How to Cite

Mohammad Nazim, N. I. I., Shamila Mohamed Shuhidan, Husain Hashim, Mohammad Fazli Bin Baharuddin, Yunus Winoto, & Mohd Saiful Rahman. (2025). Reliability Analysis on Digital Literacy Skills, Digital Financial Inclusion and Socio-Economic Development Among B40 in Selangor. Journal of Information and Knowledge Management, 15(2), 10–17. https://doi.org/10.24191/jikm.v15i2.6012

Issue

Section

Articles