Arabic validation of the incharge financial distress/financial well-being scale and the new single-item financial stress scale.
El Zouki, Christian-Joseph Chahine, Abdallah Hallit, Rabih Malaeb, Diana El Khatib, Sami Nehme, Antonio Obeid, Sahar Fekih-Romdhane, Feten Hallit, Souheil
El Zouki, Christian-Joseph
Chahine, Abdallah
Hallit, Rabih
Malaeb, Diana
El Khatib, Sami
Nehme, Antonio
Obeid, Sahar
Fekih-Romdhane, Feten
Hallit, Souheil
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Date
2025-06-09
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Abstract
The current study aimed to investigate the factor structure, reliability, and validity of the Arabic adaptation of the InCharge Financial Distress/Financial Well-Being Scale, and to examine a newly developed single-item measure of financial stress, the Single-Item Financial Stress scale (SIFiS), in a sample of Lebanese adults.
In this cross-sectional study, 403 participants completed an Arabic-translated version of the IFDFW scale via an online survey. Confirmatory factor analysis (CFA) was used to validate the scale.
A one-factor structure was supported by the analysis. Internal reliability was excellent, with very high omega and alpha coefficients for the IFDFW scale ( = 0.95, = 0.95). A significantly lower mean IFDFW score was found in males compared to females. On the other hand, no significant differences were found between males and females on the SIFiS scores. Greater financial burden was significantly associated with higher levels of depression, anxiety, and stress.
The findings confirm that the Arabic versions of the IFDFW scale and the SIFiS are valid and reliable. Their use is therefore recommended in various settings among Arabic-speaking adults. These simple and straightforward measurement tools may improve cross-cultural studies on financial well-being.
In this cross-sectional study, 403 participants completed an Arabic-translated version of the IFDFW scale via an online survey. Confirmatory factor analysis (CFA) was used to validate the scale.
A one-factor structure was supported by the analysis. Internal reliability was excellent, with very high omega and alpha coefficients for the IFDFW scale ( = 0.95, = 0.95). A significantly lower mean IFDFW score was found in males compared to females. On the other hand, no significant differences were found between males and females on the SIFiS scores. Greater financial burden was significantly associated with higher levels of depression, anxiety, and stress.
The findings confirm that the Arabic versions of the IFDFW scale and the SIFiS are valid and reliable. Their use is therefore recommended in various settings among Arabic-speaking adults. These simple and straightforward measurement tools may improve cross-cultural studies on financial well-being.
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Copyright © 2025 El Zouki, Chahine, Hallit, Malaeb, El Khatib, Nehme, Obeid, Fekih-Romdhane and Hallit.