Pengaruh tahap literasi kewangan, pengurusan kewangan, hutang dan faktor demografi terhadap kesejahteraan kewangan

Kajian ini bertujuan menentukan pengaruh tahap literasi kewangan, pengurusankewangan, hutang, dan faktor demografik (jantina, umur, tahap pendidikan dan zon kajian) terhadapkesejahteraan kewangan dalam kalangan pekerja di Zon Tengah (Wilayah Persekutuan KualaLumpur dan Wilayah Persekutuan Putrajaya)...

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Main Author:	Nur Aina Nadiah Muhammad
Format:	thesis
Language:	zsm
Published:	2019
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Online Access:	https://ir.upsi.edu.my/detailsg.php?det=6649
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spellingShingle	Nur Aina Nadiah Muhammad Pengaruh tahap literasi kewangan, pengurusan kewangan, hutang dan faktor demografi terhadap kesejahteraan kewangan
description	Kajian ini bertujuan menentukan pengaruh tahap literasi kewangan, pengurusankewangan, hutang, dan faktor demografik (jantina, umur, tahap pendidikan dan zon kajian) terhadapkesejahteraan kewangan dalam kalangan pekerja di Zon Tengah (Wilayah Persekutuan KualaLumpur dan Wilayah Persekutuan Putrajaya) dan Zon Utara (Perak dan Kedah), Malaysia.Pendekatan kuantitatif yang melibatkan seramai 403 orang pekerja yang berkhidmat dalam sektorawam dan swasta terlibat dalam kajian ini. Sampel diperoleh melalui pengedaran borangsoal selidik secara dalam talian melaui e-mel kepada responden yang bekerja dalam organisasi dizon kajian. Analisis data dibahagikan kepada analisis deskriptif iaitu analisis min,peratus dan sisihan piawai serta analisis inferensi yang melibatkan ujian ANOVA, korelasiPearson dan regresi berganda. Dapatan ANOVA mendapati terdapat perbezaan yang signifikan bagi tahapliterasi kewangan (p= 0.028), pengurusan kewangan (p= 0.000), hutang (p= 0.000) dan kesejahteraankewangan (p= 0.001) berdasarkan faktor umur responden. Analisis korelasi Pearson mendapati wujudnyahubungan yang signifikan di antara tahap literasi kewangan (r= 0.024, p= 0.011),pengurusan kewangan (r= 0.524, p= 0.000) dan hutang (r= 0.622, p= 0.000) dengankesejahteraan kewangan. Analisis regresi berganda menunjukkan nilai R terlaras bersamaandengan 0.51 dengan pemboleh ubah pengurusan kewangan, hutang dan umur mempengaruhikesejahteraan kewangan (=0.814, p= 0.000). Dapatan kajian ini boleh dijadikan asas oleh pihakpembuat dasar dalam memperkenalkan pelan pendidikan kewangan yang bersifat komprehensif melaluibadan-badan kerajaan dan bukan kerajaan seperti Kementerian Pendidikan Malaysia (KPM), AgensiKaunseling dan Pengurusan Kredit (AKPK) dan majikan dalam membantu golongan pekerja mencapaikesejahteraan kewangan. Pengetahuan kewangan yang baik akan membolehkan individu bekerjamemainkan peranan secara berkesan dalam suasana ekonomi negara yang semakinmencabar.
format	thesis
qualification_name
qualification_level	Master's degree
author	Nur Aina Nadiah Muhammad
author_facet	Nur Aina Nadiah Muhammad
author_sort	Nur Aina Nadiah Muhammad
title	Pengaruh tahap literasi kewangan, pengurusan kewangan, hutang dan faktor demografi terhadap kesejahteraan kewangan
title_short	Pengaruh tahap literasi kewangan, pengurusan kewangan, hutang dan faktor demografi terhadap kesejahteraan kewangan
title_full	Pengaruh tahap literasi kewangan, pengurusan kewangan, hutang dan faktor demografi terhadap kesejahteraan kewangan
title_fullStr	Pengaruh tahap literasi kewangan, pengurusan kewangan, hutang dan faktor demografi terhadap kesejahteraan kewangan
title_full_unstemmed	Pengaruh tahap literasi kewangan, pengurusan kewangan, hutang dan faktor demografi terhadap kesejahteraan kewangan
title_sort	pengaruh tahap literasi kewangan, pengurusan kewangan, hutang dan faktor demografi terhadap kesejahteraan kewangan
granting_institution	Universiti Pendidikan Sultan Idris
granting_department	Fakulti Pengurusan dan Ekonomi
publishDate	2019
url	https://ir.upsi.edu.my/detailsg.php?det=6649
_version_	1747833285316182016
spelling	oai:ir.upsi.edu.my:66492022-02-03 Pengaruh tahap literasi kewangan, pengurusan kewangan, hutang dan faktor demografi terhadap kesejahteraan kewangan 2019 Nur Aina Nadiah Muhammad Kajian ini bertujuan menentukan pengaruh tahap literasi kewangan, pengurusankewangan, hutang, dan faktor demografik (jantina, umur, tahap pendidikan dan zon kajian) terhadapkesejahteraan kewangan dalam kalangan pekerja di Zon Tengah (Wilayah Persekutuan KualaLumpur dan Wilayah Persekutuan Putrajaya) dan Zon Utara (Perak dan Kedah), Malaysia.Pendekatan kuantitatif yang melibatkan seramai 403 orang pekerja yang berkhidmat dalam sektorawam dan swasta terlibat dalam kajian ini. Sampel diperoleh melalui pengedaran borangsoal selidik secara dalam talian melaui e-mel kepada responden yang bekerja dalam organisasi dizon kajian. Analisis data dibahagikan kepada analisis deskriptif iaitu analisis min,peratus dan sisihan piawai serta analisis inferensi yang melibatkan ujian ANOVA, korelasiPearson dan regresi berganda. Dapatan ANOVA mendapati terdapat perbezaan yang signifikan bagi tahapliterasi kewangan (p= 0.028), pengurusan kewangan (p= 0.000), hutang (p= 0.000) dan kesejahteraankewangan (p= 0.001) berdasarkan faktor umur responden. Analisis korelasi Pearson mendapati wujudnyahubungan yang signifikan di antara tahap literasi kewangan (r= 0.024, p= 0.011),pengurusan kewangan (r= 0.524, p= 0.000) dan hutang (r= 0.622, p= 0.000) dengankesejahteraan kewangan. Analisis regresi berganda menunjukkan nilai R terlaras bersamaandengan 0.51 dengan pemboleh ubah pengurusan kewangan, hutang dan umur mempengaruhikesejahteraan kewangan (=0.814, p= 0.000). Dapatan kajian ini boleh dijadikan asas oleh pihakpembuat dasar dalam memperkenalkan pelan pendidikan kewangan yang bersifat komprehensif melaluibadan-badan kerajaan dan bukan kerajaan seperti Kementerian Pendidikan Malaysia (KPM), AgensiKaunseling dan Pengurusan Kredit (AKPK) dan majikan dalam membantu golongan pekerja mencapaikesejahteraan kewangan. Pengetahuan kewangan yang baik akan membolehkan individu bekerjamemainkan peranan secara berkesan dalam suasana ekonomi negara yang semakinmencabar. 2019 thesis https://ir.upsi.edu.my/detailsg.php?det=6649 https://ir.upsi.edu.my/detailsg.php?det=6649 text zsm closedAccess Masters Universiti Pendidikan Sultan Idris Fakulti Pengurusan dan Ekonomi Abdul Basit Hodari, Tamat Sarmidi & Norlida Hanim Mohd Salleh (2014). Hutang dan Golongan Mudadi Malaysia: Satu Kajian Awal. Prosiding Perkem Ke-9, pp. 83844.Adams, T. & Moore, M. (2007). High-risk health and credit behavior among 18 to 25 years old collegestudents. 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