Figure 9
The model shows a text box labeled “Financial Education Digital Literacy” at the bottom, with two upward-pointing arrows pointing to two text boxes arranged horizontally and labeled from left to right as follows: “Planning,” and “Insurance.” Above the “Planning” text box, a text box labeled “Savings” is shown. Above the “Insurance” text box, a text box labeled “Credit Management” is shown. From “Financial Education Digital Literacy,” two more arrows arise and point to “Savings,” and “Credit Management.” From “Savings,” two arrows arise and point to “Credit Management,” and “Planning.” From “Planning,” a rightward arrow arises and points to “Insurance.” Likewise, from “Insurance,” an arrow arises and points to “Planning.”Proposed model