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Title: :  FACTORS AFFECTING THE FINANCIAL WELLBEING OF BANK EMPLOYEES IN BANGLADESH– MODERATING ROLE OF MACRO-ECONOMIC STABILITY
PaperId: :  27859
Published in:   International Journal Of Advance Research And Innovative Ideas In Education
Publisher:   IJARIIE
e-ISSN:   2395-4396
Volume/Issue:    Volume 11 Issue 6 2025
DUI:    16.0415/IJARIIE-27859
Licence: :   IJARIIE is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Author NameAuthor Institute
Babor Ali MirMinistry of Housing and Public Works
Tanzid Ahmed MihadBangladesh University of Professionals (BUP)
Sadman KabirDepartment of Business Administration-General, Bangladesh University of Professionals (BUP)
Md Sakir HossainPresidency University
Nabiha TahseenDepartment of Finance & Banking, Bangladesh University of Professionals (BUP)

Abstract

Finance
Financial Well-being, Socio-economic Factors, Behavioural Factors, Compensation, Financial Literacy, Macro-economic Stability, Bank Employees.
This paper studies the impact of socio-economic and behavioural factors on the financial well-being of bank employees in Bangladesh, with a focus on the moderating role of macro-economic stability. As employees in the banking sector face unique financial challenges, including inadequate compensation, financial stress, and low financial literacy, this study examines how compensation packages, spending behavior, financial literacy, and future planning influence their financial well-being. The analysis also explores the impact of macroeconomic factors, including inflation and economic instability, on these connections. The analysis involved a survey of 260 bank employees, employing Structural Equation Modelling (SEM) through SmartPLS 4. The findings indicate that compensation structures, knowledge of financial concepts, and strategic future planning contribute positively to financial well-being, while fluctuations in the macroeconomic environment exacerbate financial stress. This study offers practical recommendations for banking institutions and governments to improve employee financial well-being through targeted financial wellness programs, increased compensation, and effective stress management strategies. This highlights the importance of financial literacy and economic stability in shaping the financial well-being of bank personnel in developing countries, laying the groundwork for future studies in this area.

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IJARIIE Babor Ali Mir, Tanzid Ahmed Mihad, Sadman Kabir, Md Sakir Hossain, and Nabiha Tahseen. "FACTORS AFFECTING THE FINANCIAL WELLBEING OF BANK EMPLOYEES IN BANGLADESH– MODERATING ROLE OF MACRO-ECONOMIC STABILITY" International Journal Of Advance Research And Innovative Ideas In Education Volume 11 Issue 6 2025 Page 1628-1658
MLA Babor Ali Mir, Tanzid Ahmed Mihad, Sadman Kabir, Md Sakir Hossain, and Nabiha Tahseen. "FACTORS AFFECTING THE FINANCIAL WELLBEING OF BANK EMPLOYEES IN BANGLADESH– MODERATING ROLE OF MACRO-ECONOMIC STABILITY." International Journal Of Advance Research And Innovative Ideas In Education 11.6(2025) : 1628-1658.
APA Babor Ali Mir, Tanzid Ahmed Mihad, Sadman Kabir, Md Sakir Hossain, & Nabiha Tahseen. (2025). FACTORS AFFECTING THE FINANCIAL WELLBEING OF BANK EMPLOYEES IN BANGLADESH– MODERATING ROLE OF MACRO-ECONOMIC STABILITY. International Journal Of Advance Research And Innovative Ideas In Education, 11(6), 1628-1658.
Chicago Babor Ali Mir, Tanzid Ahmed Mihad, Sadman Kabir, Md Sakir Hossain, and Nabiha Tahseen. "FACTORS AFFECTING THE FINANCIAL WELLBEING OF BANK EMPLOYEES IN BANGLADESH– MODERATING ROLE OF MACRO-ECONOMIC STABILITY." International Journal Of Advance Research And Innovative Ideas In Education 11, no. 6 (2025) : 1628-1658.
Oxford Babor Ali Mir, Tanzid Ahmed Mihad, Sadman Kabir, Md Sakir Hossain, and Nabiha Tahseen. 'FACTORS AFFECTING THE FINANCIAL WELLBEING OF BANK EMPLOYEES IN BANGLADESH– MODERATING ROLE OF MACRO-ECONOMIC STABILITY', International Journal Of Advance Research And Innovative Ideas In Education, vol. 11, no. 6, 2025, p. 1628-1658. Available from IJARIIE, https://ijariie.com/AdminUploadPdf/FACTORS_AFFECTING_THE_FINANCIAL_WELLBEING_OF_BANK_EMPLOYEES_IN_BANGLADESH–_MODERATING_ROLE_OF_MACRO_ECONOMIC_STABILITY_ijariie27859.pdf (Accessed : 23 December 2025).
Harvard Babor Ali Mir, Tanzid Ahmed Mihad, Sadman Kabir, Md Sakir Hossain, and Nabiha Tahseen. (2025) 'FACTORS AFFECTING THE FINANCIAL WELLBEING OF BANK EMPLOYEES IN BANGLADESH– MODERATING ROLE OF MACRO-ECONOMIC STABILITY', International Journal Of Advance Research And Innovative Ideas In Education, 11(6), pp. 1628-1658IJARIIE [Online]. Available at: https://ijariie.com/AdminUploadPdf/FACTORS_AFFECTING_THE_FINANCIAL_WELLBEING_OF_BANK_EMPLOYEES_IN_BANGLADESH–_MODERATING_ROLE_OF_MACRO_ECONOMIC_STABILITY_ijariie27859.pdf (Accessed : 23 December 2025)
IEEE Babor Ali Mir, Tanzid Ahmed Mihad, Sadman Kabir, Md Sakir Hossain, and Nabiha Tahseen, "FACTORS AFFECTING THE FINANCIAL WELLBEING OF BANK EMPLOYEES IN BANGLADESH– MODERATING ROLE OF MACRO-ECONOMIC STABILITY," International Journal Of Advance Research And Innovative Ideas In Education, vol. 11, no. 6, pp. 1628-1658, Nov-Dec 2025. [Online]. Available: https://ijariie.com/AdminUploadPdf/FACTORS_AFFECTING_THE_FINANCIAL_WELLBEING_OF_BANK_EMPLOYEES_IN_BANGLADESH–_MODERATING_ROLE_OF_MACRO_ECONOMIC_STABILITY_ijariie27859.pdf [Accessed : 23 December 2025].
Turabian Babor Ali Mir, Tanzid Ahmed Mihad, Sadman Kabir, Md Sakir Hossain, and Nabiha Tahseen. "FACTORS AFFECTING THE FINANCIAL WELLBEING OF BANK EMPLOYEES IN BANGLADESH– MODERATING ROLE OF MACRO-ECONOMIC STABILITY." International Journal Of Advance Research And Innovative Ideas In Education [Online]. volume 11 number 6 (23 December 2025).
Vancouver Babor Ali Mir, Tanzid Ahmed Mihad, Sadman Kabir, Md Sakir Hossain, and Nabiha Tahseen. FACTORS AFFECTING THE FINANCIAL WELLBEING OF BANK EMPLOYEES IN BANGLADESH– MODERATING ROLE OF MACRO-ECONOMIC STABILITY. International Journal Of Advance Research And Innovative Ideas In Education [Internet]. 2025 [Cited : 23 December 2025]; 11(6) : 1628-1658. Available from: https://ijariie.com/AdminUploadPdf/FACTORS_AFFECTING_THE_FINANCIAL_WELLBEING_OF_BANK_EMPLOYEES_IN_BANGLADESH–_MODERATING_ROLE_OF_MACRO_ECONOMIC_STABILITY_ijariie27859.pdf
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