The problem that was examined in this research was to develop and test a conceptual model that describes the relationship between personal financial wellness and worker job productivity. The research questions were (1) what is the personal financial wellness profile?; (2) how does the personal financial wellness profile differ by the demographic characteristics?; (3) what is the relationship between financial stressors and personal financial wellness profile?; (4) what is the relationship between personal financial wellness and financial stress level?; (5) what is the worker job productivity profile?; (6) what is the relationship between personal financial wellness and worker job productivity?; (7) what is the relationship between financial stress and worker job productivity?; and (8) what financial education programs do employees want in the future? In order to test a part of the conceptual model, a survey research design was undertaken. A questionnaire was developed and pre-tested. A mail survey (N=474) of white-collar clerical workers of a large employer located in mid-eastern state was conducted during January, February, and March of 1998. From a random sample of 447 (27 out of original 474 were undeliverable), 288 questionnaires were returned (64.4%). Seventeen questionnaires were determined unusable resulting in a 60.4% usable return rate (271/447). In terms of subjective perception, as a group, the respondents were not financially well. In the behavioral assessment, the respondents reported above a mid-point score. On overall financial wellness scales, the respondents were not satisfied with their financial situation. Personal financial wellness was influenced by some of the demographic characteristics and financial stressors. The lower levels of personal financial wellness were related to the financial stress level. Those who have high levels of personal financial wellness reported better performance ratings, less absenteeism, and less work time used for personal financial matters. Workers are interested in comprehensive financial education programs which include retirement education, better use of employee benefits, money management, credit management, and consumer protection. Some workers are not financially well because they have financial problems. If employers can improve personal financial wellness of workers, such as through financial education, it may increase productivity, because personal financial wellness is related to worker productivity. / Ph. D.

The application of the systems concept to the individual, the family, and the organization predicts that these systems will interact in such a manner that events in one system will correlate with events in the other systems. The purpose of this study is to investigate one area of system interaction, stress creation and stress outcomes. A search of the literature revealed little empirical research pertaining to the interaction between the family environment and the work environment. However, from the available literature a model of work-family interaction was developed. The model hypothesized specific relation ships between variables within and between the family environment, the work environment, type A behavior, job outcomes of perceived productivity and satisfaction, and the stress outcome of illness. To test the hypothesized relationships of the model a questionnaire was developed and distributed via intercompany mail to mid-level managers of the customer service division of an international airline. Returned usable questionnaires (N = 89) were scored and analyzed using appropriate statistical techniques.