The Muamalat Newsletter Vol. 2 2023

FEM eNewsletter | Dec 2023 66 and resilient FWB for individuals. The integration of financial and environmental factors signifies a broader comprehension of the interconnectedness of personal, economic, and environmental health. FWB is a subjective concept that varies significantly among individuals; therefore, there is no globally agreed-upon definition or measurement of this concept, nor is there clarity surrounding its conceptualization and components. Nonetheless, scholars and practitioners have offered a variety of definitions. For example, Brüggen et al. (2017) describe FWB as “the perception of being able to sustain the current and anticipated desired living standardandfinancial freedom.” Hasler et al. (2023) define FWB as “being and feeling financially secure in the short and long term and having the financial freedom to make choices that allow one to enjoy their life.” According to the Consumer Financial Protection Bureau (CFPB) (2015), FWB is “a state of being wherein individuals can fully meet their current and ongoing financial obligations, feel secure in their financial future, and be able to make choices that allow them to enjoy life.” These definitions emphasise comparable themes such as the ability to meet financial obligations, financial stability, freedom of choice, and enjoyment of life. This study proposes that financial attitudes and environmental sustainability play a significant role in shaping FWB. While attitude refers to a person’s thoughts and feelingsprior to taking action, financial attitude represents their state of mind, opinion, and validity of the questions before commencing actual data collection. The questionnaire’s clarity and ease of understandingare crucial aspects of all questionnaires that require testing for accuracy. A pilot test is carried out to achieve those goals. Pilot studies are mini versions of full-scale feasibility studies, focusing on pre-testing specific research instruments like questionnaires or interview schedules (Van Teijlingen & Hundley, 2001). Van Teijlingen and Hundley (2001) emphasised that while the pilot test does not guarantee the study’s success, it increases the likelihood of success. Methodology Following the work of Devisakti and Ramayah (2019), a pre-test was undertaken before proceeding with the pilot test. The purpose of a pre- test is to ensure the questionnaire’s face and content validity. It involves a group of experts and selected respondents answering a questionnaire to identify and address issues in the instrument or questionnaire design (Zikmund et al., 2013). Items are revised in accordance with the results from the pre-test, and any necessary adjustments are made accordingly. Next, the pilot test is carried out, involving 30 samples, as suggested by Johanson and Brooks (2010). The pilot test was carried out over a period of one week in November 2023. Non-probability convenience sampling was used to collect the study’s samples, with respondents completing an online survey on service quality, customer trust, and customer satisfaction. The constructs and their items were drawn from the past works of numerous scholars. Respondents were asked to rate their level of agreement on a five-point Likert scale, with statements ranging from 1 to 5, with 1 indicating strongly disagree and 5 strongly agree. The questionnaire was tested for construct reliability by calculating its Cronbach’s alpha score using the statistical package for social sciences (SPSS). Reliability, which refers to the consistency between The prediction is that customer satisfaction is significantly influenced by the quality of service and the trust it fosters. “ “ Figure 1: Proposed Research Model