C. J. Ng, Y. N. Goh, C. N. Lim, Nabeel Nisar, Touseef Hussain Ghumro
Facebook advertisement for food-related information is widespread on social media platforms. However, the effectiveness of this food advertisement in reaching out to the target consumers needs to get more attention. This study fills the gaps by determining the factors affecting consumer attitudes towards food advertisements on Facebook, their intentions to receive them, and their behavioural response. A research model was developed using the Theory of Reasoned Action (TRA), the Technology Acceptance Model (TAM), and the Advertising Value Model. Specifically, this study investigates the relationship between perceived usefulness, perceived ease of use, credibility, entertainment, informativeness, irritation, personalisation, and privacy concern attitudes towards food advertisements. This study deployed an online questionnaire to collect data from 206 Facebook users. Results show that perceived usefulness, entertainment, informativeness, irritation, and privacy concern significantly affect consumers’ attitudes, as well as the positive effect on consumers’ attitudes towards intention and behavioural response. The outcomes of this study may cast novel insight into the variables that influence consumer attitudes and responses to Facebook food advertisements and provides valuable knowledge for food marketers to create superior advertising campaigns on social media platforms.
{"title":"Does Facebook Advertisement Matter to Entice Customers’ Responses? An Integrated Technology Acceptance Model","authors":"C. J. Ng, Y. N. Goh, C. N. Lim, Nabeel Nisar, Touseef Hussain Ghumro","doi":"10.60016/majcafe.v30.10","DOIUrl":"https://doi.org/10.60016/majcafe.v30.10","url":null,"abstract":"Facebook advertisement for food-related information is widespread on social media platforms. However, the effectiveness of this food advertisement in reaching out to the target consumers needs to get more attention. This study fills the gaps by determining the factors affecting consumer attitudes towards food advertisements on Facebook, their intentions to receive them, and their behavioural response. A research model was developed using the Theory of Reasoned Action (TRA), the Technology Acceptance Model (TAM), and the Advertising Value Model. Specifically, this study investigates the relationship between perceived usefulness, perceived ease of use, credibility, entertainment, informativeness, irritation, personalisation, and privacy concern attitudes towards food advertisements. This study deployed an online questionnaire to collect data from 206 Facebook users. Results show that perceived usefulness, entertainment, informativeness, irritation, and privacy concern significantly affect consumers’ attitudes, as well as the positive effect on consumers’ attitudes towards intention and behavioural response. The outcomes of this study may cast novel insight into the variables that influence consumer attitudes and responses to Facebook food advertisements and provides valuable knowledge for food marketers to create superior advertising campaigns on social media platforms.","PeriodicalId":39091,"journal":{"name":"Malaysian Journal of Consumer and Family Economics","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135145827","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Low-income households are those with lower incomes than most households in the region. In Malaysia, a low-income household earns less than RM 4,500 per month. Savings issues for low-income households are rarely discussed. This is because, logically, how can these low-income households save when their money is barely enough to cover their basic needs? Nonetheless, despite limited research, there is evidence that low-income households save. This study aims to identify the type of savings of low-income households. According to this study, low-income households do save. The methodology used in this study is multinomial logistic regression. The result of the study shows that strata, household size, number of income earners, the ability of households to save, and perception of households in access to higher education are the factors influencing low-income households’ savings. This study implies that low-income households face numerous obstacles that make saving difficult, including low-income levels, limited access to financial products and services, and a lack of financial literac
{"title":"Factors Affecting Savings for Low-Income Households in the Northern States of Malaysia","authors":"Saidatulakmal Mohd, Nurul Syifaa Mohd Shakil","doi":"10.60016/majcafe.v30.15","DOIUrl":"https://doi.org/10.60016/majcafe.v30.15","url":null,"abstract":"Low-income households are those with lower incomes than most households in the region. In Malaysia, a low-income household earns less than RM 4,500 per month. Savings issues for low-income households are rarely discussed. This is because, logically, how can these low-income households save when their money is barely enough to cover their basic needs? Nonetheless, despite limited research, there is evidence that low-income households save. This study aims to identify the type of savings of low-income households. According to this study, low-income households do save. The methodology used in this study is multinomial logistic regression. The result of the study shows that strata, household size, number of income earners, the ability of households to save, and perception of households in access to higher education are the factors influencing low-income households’ savings. This study implies that low-income households face numerous obstacles that make saving difficult, including low-income levels, limited access to financial products and services, and a lack of financial literac","PeriodicalId":39091,"journal":{"name":"Malaysian Journal of Consumer and Family Economics","volume":"44 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135145969","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Marlina Muhamad, Fariza Hanis Abd Razak, Haryani Haron
Senior entrepreneurs need help using ICT due to their limited technical skills, but this can be addressed by providing them with simple, familiar, recognizable, and flexible ICT. Previous studies have shown that social media, particularly Facebook, is widely used by entrepreneurs. With the growing aging population worldwide, acknowledging and leveraging the potential of senior entrepreneurs can lead to a more diverse and inclusive consumer landscape. This qualitative study used the semi-structured interview to explore the scenario of senior entrepreneurship, which examined their motivations from push and pull motivation and senior entrepreneurship activities. Ten participants were interviewed, revealing that social media platforms like Facebook and WhatsApp are used for marketing and communication. The study sheds light on the ICTs used by senior entrepreneurs to enhance their business efficiency and sustainability. While social media adoption is helpful, further research is still needed since intrinsic motivations dominate their primary motives.
{"title":"The ICT Use by Senior Entrepreneurs","authors":"Marlina Muhamad, Fariza Hanis Abd Razak, Haryani Haron","doi":"10.60016/majcafe.v30.12","DOIUrl":"https://doi.org/10.60016/majcafe.v30.12","url":null,"abstract":"Senior entrepreneurs need help using ICT due to their limited technical skills, but this can be addressed by providing them with simple, familiar, recognizable, and flexible ICT. Previous studies have shown that social media, particularly Facebook, is widely used by entrepreneurs. With the growing aging population worldwide, acknowledging and leveraging the potential of senior entrepreneurs can lead to a more diverse and inclusive consumer landscape. This qualitative study used the semi-structured interview to explore the scenario of senior entrepreneurship, which examined their motivations from push and pull motivation and senior entrepreneurship activities. Ten participants were interviewed, revealing that social media platforms like Facebook and WhatsApp are used for marketing and communication. The study sheds light on the ICTs used by senior entrepreneurs to enhance their business efficiency and sustainability. While social media adoption is helpful, further research is still needed since intrinsic motivations dominate their primary motives.","PeriodicalId":39091,"journal":{"name":"Malaysian Journal of Consumer and Family Economics","volume":"2 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135145824","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Shairil Izwan Taasim, Anita Rosli, Juniza Md Saad, Adrian Daud, Tunung Robin
Dual-income families are growing in the new millennium due to high living costs. Nowadays, women also play the role of breadwinners in the family, being in the workforce or working part-time. Many Iban working women and full-time homemakers are involved in side-income activities to earn additional income for the family. It is often involved them performing several activities to earn additional income for their family. This study investigates the role of Iban women as breadwinners involved in side-income activities in Sarawak by identifying types of side-income activities and barriers to side-income activities, thus proposing relevant training or programs to support and encourage their involvement in side-income activities. The study employed a descriptive research design, and 325 Iban women participated in this survey. Based on the survey, there are three main side-income activities among respondents, i.e., farming, handicraft making, and business. However, there are three main barriers to conducting side-income activities, i.e., a need for knowledge and skills in specific fields, marketing and promotional problems, and financial constraints. Based on the problems, three suggestions have been proposed by a high percentage of respondents, i.e., marketing and promotional assistance, business and entrepreneurship courses, and financial assistance. The selection of appropriate training and programs is crucial as the training and program should be need-driven oriented because only some of the training or programs could fit the needs of Iban women. The side-income activities among Iban women benefit the family, develop Iban society, and encourage Iban women’s development and empowerment in Sarawak.
{"title":"Iban Women Development and Empowerment: Role of Iban Women as Breadwinner in the Family","authors":"Shairil Izwan Taasim, Anita Rosli, Juniza Md Saad, Adrian Daud, Tunung Robin","doi":"10.60016/majcafe.v30.20","DOIUrl":"https://doi.org/10.60016/majcafe.v30.20","url":null,"abstract":"Dual-income families are growing in the new millennium due to high living costs. Nowadays, women also play the role of breadwinners in the family, being in the workforce or working part-time. Many Iban working women and full-time homemakers are involved in side-income activities to earn additional income for the family. It is often involved them performing several activities to earn additional income for their family. This study investigates the role of Iban women as breadwinners involved in side-income activities in Sarawak by identifying types of side-income activities and barriers to side-income activities, thus proposing relevant training or programs to support and encourage their involvement in side-income activities. The study employed a descriptive research design, and 325 Iban women participated in this survey. Based on the survey, there are three main side-income activities among respondents, i.e., farming, handicraft making, and business. However, there are three main barriers to conducting side-income activities, i.e., a need for knowledge and skills in specific fields, marketing and promotional problems, and financial constraints. Based on the problems, three suggestions have been proposed by a high percentage of respondents, i.e., marketing and promotional assistance, business and entrepreneurship courses, and financial assistance. The selection of appropriate training and programs is crucial as the training and program should be need-driven oriented because only some of the training or programs could fit the needs of Iban women. The side-income activities among Iban women benefit the family, develop Iban society, and encourage Iban women’s development and empowerment in Sarawak.","PeriodicalId":39091,"journal":{"name":"Malaysian Journal of Consumer and Family Economics","volume":"22 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135145832","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Muhammad Amirul Ashraf Abd Ghani, Halimah Awang, Nur Fakhrina Ab. Rashid, Tan Lih Yoong, Tan Chin Lung, Yamunah Devi Apalasamy, Kama Firdaus Subbahi, Norma Mansor
To cope with the economic hardship induced by the COVID-19 pandemic, the government has allowed for withdrawals from the Employees Provident Fund (EPF) retirement savings account. This paper explored the impact of COVID19 on the employment and income status of EPF members prompted them to make early withdrawals from their retirement savings through the i-Sinar and i-Lestari schemes as well as usage of withdrawals. The nonprobability convenience sampling technique, specifically the snowball technique managed to capture 2,061 respondents via an online survey. Logistic regression revealed younger respondents, those earning a lower income, and those experiencing income reduction were more likely to utilise both schemes compared to their counterparts. Although most withdrawals were put to good use, it raises concern as the early withdrawals can bring negative consequences to individuals, taxpayers, and the government in future. Findings from this study can serve as a useful input in suggesting some improvements towards the EPF retirement savings scheme.
{"title":"Examining i-Sinar and i-Lestari Withdrawals Among Employees Provident Fund (EPF) Members During COVID-19 Crisis","authors":"Muhammad Amirul Ashraf Abd Ghani, Halimah Awang, Nur Fakhrina Ab. Rashid, Tan Lih Yoong, Tan Chin Lung, Yamunah Devi Apalasamy, Kama Firdaus Subbahi, Norma Mansor","doi":"10.60016/majcafe.v30.08","DOIUrl":"https://doi.org/10.60016/majcafe.v30.08","url":null,"abstract":"To cope with the economic hardship induced by the COVID-19 pandemic, the government has allowed for withdrawals from the Employees Provident Fund (EPF) retirement savings account. This paper explored the impact of COVID19 on the employment and income status of EPF members prompted them to make early withdrawals from their retirement savings through the i-Sinar and i-Lestari schemes as well as usage of withdrawals. The nonprobability convenience sampling technique, specifically the snowball technique managed to capture 2,061 respondents via an online survey. Logistic regression revealed younger respondents, those earning a lower income, and those experiencing income reduction were more likely to utilise both schemes compared to their counterparts. Although most withdrawals were put to good use, it raises concern as the early withdrawals can bring negative consequences to individuals, taxpayers, and the government in future. Findings from this study can serve as a useful input in suggesting some improvements towards the EPF retirement savings scheme.","PeriodicalId":39091,"journal":{"name":"Malaysian Journal of Consumer and Family Economics","volume":"14 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135145833","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Parents undertake the heaviest responsibility ever to prepare children for a brighter future. The study identified predictors towards parental contribution included parental characteristics, child upbringing, parental purchasing behaviour and financial strain. The moderating role of household income also was addressed. The study surveyed 2,182 respondents from low-income households with children under six years old and found that parental contributions towards their children’s upbringing were significantly influenced by household income. Parental characteristics were detected as important drivers of parental contribution; child upbringing and parental purchasing behaviour influence parental contribution positively, but the negative effect of financial strain was revealed. On the other hand, the upbringing of the children and parental contribution made by parents are significant in deciding the household income. The study highlights that parental contributions play a crucial role in shaping children’s character and development. Appropriate investments in children are essential to ensure they become decent human beings. Furthermore, the study underlines the practical implications for parents, government, and non-government organizations regarding investment in children. It is suggested that benefits, such as allowances provided by the Department of Social Welfare, should be allocated to needy families so that parents can invest in their children’s future. This study emphasizes the importance of investing in children from low-income households to ensure a brighter future, and government and non-government organizations must support these families.
{"title":"The Moderating Effect of Household Income on the Determinants of Parental Contribution to Children in Malaysia","authors":"Nuraini Abdullah, Mohamad Fazli Sabri, Siti Shazwani Ahmad Suhaimi, Amirah Shazana Magli, Muslimah Ithnin","doi":"10.60016/majcafe.v30.19","DOIUrl":"https://doi.org/10.60016/majcafe.v30.19","url":null,"abstract":"Parents undertake the heaviest responsibility ever to prepare children for a brighter future. The study identified predictors towards parental contribution included parental characteristics, child upbringing, parental purchasing behaviour and financial strain. The moderating role of household income also was addressed. The study surveyed 2,182 respondents from low-income households with children under six years old and found that parental contributions towards their children’s upbringing were significantly influenced by household income. Parental characteristics were detected as important drivers of parental contribution; child upbringing and parental purchasing behaviour influence parental contribution positively, but the negative effect of financial strain was revealed. On the other hand, the upbringing of the children and parental contribution made by parents are significant in deciding the household income. The study highlights that parental contributions play a crucial role in shaping children’s character and development. Appropriate investments in children are essential to ensure they become decent human beings. Furthermore, the study underlines the practical implications for parents, government, and non-government organizations regarding investment in children. It is suggested that benefits, such as allowances provided by the Department of Social Welfare, should be allocated to needy families so that parents can invest in their children’s future. This study emphasizes the importance of investing in children from low-income households to ensure a brighter future, and government and non-government organizations must support these families.","PeriodicalId":39091,"journal":{"name":"Malaysian Journal of Consumer and Family Economics","volume":"21 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135145821","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Siti Nurazira Mohd Daud, Russayani Ismail, Shamzaeffa Samsudin, Shahhanim Yahya
The COVID-19 pandemic, the subsequent implementation of the Movement Control Order (MCO), and financial resilience issues during the pre-pandemic period have initiated a study of the extent of financial vulnerability conditions and their link with financial behavior, social relations, and stress conditions among youth in Malaysia. Using data from the Malaysian Youth Index 2020 to include 21,126 respondents, the hypotheses are tested and analyzed through partial least square structural equation modeling (PLS-SEM) techniques. The findings reveal that social relations are the critical antecedent, followed by financial behavior and stress conditions in predicting financial vulnerability, which implies that financial vulnerability can be solved by improving financial behavior, strengthening social relations, and reducing stress conditions. Furthermore, financial behavior has been found to mediate the relationship between social relations and financial vulnerability, as well as stress and financial vulnerability. The nature of interactions between financial behavior, social relations, stress condition, and financial vulnerability would be helpful information for policymakers in encouraging and improving social building programs in society to equip them with cutting-edge financial decision-making tools.
{"title":"Financial Behavior, Social Relations, Stress and Financial Vulnerability Among Youth in Malaysia","authors":"Siti Nurazira Mohd Daud, Russayani Ismail, Shamzaeffa Samsudin, Shahhanim Yahya","doi":"10.60016/majcafe.v30.09","DOIUrl":"https://doi.org/10.60016/majcafe.v30.09","url":null,"abstract":"The COVID-19 pandemic, the subsequent implementation of the Movement Control Order (MCO), and financial resilience issues during the pre-pandemic period have initiated a study of the extent of financial vulnerability conditions and their link with financial behavior, social relations, and stress conditions among youth in Malaysia. Using data from the Malaysian Youth Index 2020 to include 21,126 respondents, the hypotheses are tested and analyzed through partial least square structural equation modeling (PLS-SEM) techniques. The findings reveal that social relations are the critical antecedent, followed by financial behavior and stress conditions in predicting financial vulnerability, which implies that financial vulnerability can be solved by improving financial behavior, strengthening social relations, and reducing stress conditions. Furthermore, financial behavior has been found to mediate the relationship between social relations and financial vulnerability, as well as stress and financial vulnerability. The nature of interactions between financial behavior, social relations, stress condition, and financial vulnerability would be helpful information for policymakers in encouraging and improving social building programs in society to equip them with cutting-edge financial decision-making tools.","PeriodicalId":39091,"journal":{"name":"Malaysian Journal of Consumer and Family Economics","volume":"272 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135145973","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Mohd Nazmi Ahmad, Mufdhiati Mufdhiati, Doris Padmini Selvaratnam
The COVID-19 pandemic created chaos and conflicts in society as there was a disruption in the social and economic spheres of life globally and locally. The pandemic led to the loss of limited economic resources needed to meet the family's daily demands due to job loss, temporary layoffs, or other circumstances. This study intends to determine the importance of necessities among the B40 group in Malaysia's Klang Valley. The study also explored the importance and relationship between essential goods and services during the pandemic. The information came from a survey given to the Klang Valley's B40 group utilizing Facebook (FB) social media and FB Ads. The data were compiled from 363 respondents and summarised using the cross-sectional survey sampling method. The study focuses on the B40 group as Malaysia's disadvantaged, particularly in obtaining essential products and services due to their vulnerability. Several statistical tests investigate this. Spearman's Rank Correlation Coefficient test analyzes the descriptive statistics analysis. The factors of food, healthcare, shelter, transportation, and formal education have both positive and negative connections with the demographic variables. The studies' findings revealed that all demographic parameters had positive and negative connections, demonstrating that the B40 Group in the Klang Valley needs all essentials. According to the analysis's findings, 94% of respondents concur that food should take precedence during the pandemic. A majority of respondents (92%) think that healthcare (91%), shelter, and (84%) formal education is the essential goods and services. The most important food is rice, followed by vegetables, meat, milk for children, and other food categories. Vaccines are the highest priority among healthcare products and services, followed by masks and medications.Additionally, many members of the B40 group have experienced decreased income and possibly job losses due to the installation of movement order control (MCO) during the epidemic. As a result, despite being supported by government aid, the household's income is insufficient to meet its demands. Therefore, to efficiently channel aid to those in need, the government still needs to increase the distribution of goods and services based on priorities. According to the study's conclusions, to ensure that everyone has access to their needs, especially in times of crisis, comprehensive, precise data on homes and the availability of necessary commodities and services must be put in place digitally in the future.
{"title":"Essential Goods and Services Needs Among the B40 In the Klang Valley During The COVID-19 Pandemic","authors":"Mohd Nazmi Ahmad, Mufdhiati Mufdhiati, Doris Padmini Selvaratnam","doi":"10.60016/majcafe.v30.01","DOIUrl":"https://doi.org/10.60016/majcafe.v30.01","url":null,"abstract":"The COVID-19 pandemic created chaos and conflicts in society as there was a disruption in the social and economic spheres of life globally and locally. The pandemic led to the loss of limited economic resources needed to meet the family's daily demands due to job loss, temporary layoffs, or other circumstances. This study intends to determine the importance of necessities among the B40 group in Malaysia's Klang Valley. The study also explored the importance and relationship between essential goods and services during the pandemic. The information came from a survey given to the Klang Valley's B40 group utilizing Facebook (FB) social media and FB Ads. The data were compiled from 363 respondents and summarised using the cross-sectional survey sampling method. The study focuses on the B40 group as Malaysia's disadvantaged, particularly in obtaining essential products and services due to their vulnerability. Several statistical tests investigate this. Spearman's Rank Correlation Coefficient test analyzes the descriptive statistics analysis. The factors of food, healthcare, shelter, transportation, and formal education have both positive and negative connections with the demographic variables. The studies' findings revealed that all demographic parameters had positive and negative connections, demonstrating that the B40 Group in the Klang Valley needs all essentials. According to the analysis's findings, 94% of respondents concur that food should take precedence during the pandemic. A majority of respondents (92%) think that healthcare (91%), shelter, and (84%) formal education is the essential goods and services. The most important food is rice, followed by vegetables, meat, milk for children, and other food categories. Vaccines are the highest priority among healthcare products and services, followed by masks and medications.Additionally, many members of the B40 group have experienced decreased income and possibly job losses due to the installation of movement order control (MCO) during the epidemic. As a result, despite being supported by government aid, the household's income is insufficient to meet its demands. Therefore, to efficiently channel aid to those in need, the government still needs to increase the distribution of goods and services based on priorities. According to the study's conclusions, to ensure that everyone has access to their needs, especially in times of crisis, comprehensive, precise data on homes and the availability of necessary commodities and services must be put in place digitally in the future.","PeriodicalId":39091,"journal":{"name":"Malaysian Journal of Consumer and Family Economics","volume":"13 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135145820","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Older Malaysian Chinese has one of the highest mean incomes among the other ethnicity in Malaysia. As these individuals grow older, their savings and retirement fund will dwindle and are insufficient for their spending. As a result, these individuals will seek to earn extra income from investment so that they could save more for their children and lifetime care. However, investment is subject to risk. Thus, this study examines the effect of gender, age, financial satisfaction, financial knowledge, and bequest motives on older Malaysian Chinese financial risk tolerance. In this study, the target sample was those Chinese aged 50 or older residing in Selangor, Malaysia. The data were collected through face-to-face interviews with the purposive sampling method. As a result, the survey covered a sample of 263 completed cases. The multiple regression analysis shows that males with optimal financial knowledge, altruistic personality (unselfish and concern for other people), and variables positively influence older Malaysian Chinese’s financial risk tolerance (risk-taker). At the same time, ages and financial satisfaction variables are negative and significantly influence financial risk tolerance (risk- averse). Lastly, these findings may contribute to the relevant authority, such as retirement fund providers, to formulate a proper long-term plan to ensure Chinese older Malaysians’ individual and family financial stress during retirement.
{"title":"A Study of Financial Behavior Among Urban Older Chinese","authors":"Shyue Chuan Chong, Zun Khan Andaeus Neoh, Hui Shan Lee, Pei Yew Mah, Diep Thanh Tung","doi":"10.60016/majcafe.v30.18","DOIUrl":"https://doi.org/10.60016/majcafe.v30.18","url":null,"abstract":"Older Malaysian Chinese has one of the highest mean incomes among the other ethnicity in Malaysia. As these individuals grow older, their savings and retirement fund will dwindle and are insufficient for their spending. As a result, these individuals will seek to earn extra income from investment so that they could save more for their children and lifetime care. However, investment is subject to risk. Thus, this study examines the effect of gender, age, financial satisfaction, financial knowledge, and bequest motives on older Malaysian Chinese financial risk tolerance. In this study, the target sample was those Chinese aged 50 or older residing in Selangor, Malaysia. The data were collected through face-to-face interviews with the purposive sampling method. As a result, the survey covered a sample of 263 completed cases. The multiple regression analysis shows that males with optimal financial knowledge, altruistic personality (unselfish and concern for other people), and variables positively influence older Malaysian Chinese’s financial risk tolerance (risk-taker). At the same time, ages and financial satisfaction variables are negative and significantly influence financial risk tolerance (risk- averse). Lastly, these findings may contribute to the relevant authority, such as retirement fund providers, to formulate a proper long-term plan to ensure Chinese older Malaysians’ individual and family financial stress during retirement.","PeriodicalId":39091,"journal":{"name":"Malaysian Journal of Consumer and Family Economics","volume":"13 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135145826","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Siti Rosnita Sakarji, Ayu Kamareenna Abdullah Thani, Abdul Kadir Othman, Nurbarirah Ahmad
Mental health has gained a lot of attention recently, especially because of the COVID-19 outbreak. COVID-19 compelled learning systems to transition away from face-to-face interaction and towards online learning. While most studies have focused on its influence on students, the academics have received little attention. Concerning it, this study aimed to create a theoretical framework that explained the influence of job demands on academics’ mental health. This conceptual paper explained how job demands (workload, role conflict, work-life imbalance) link demanding and resourceful aspects of one domain to outcomes in the other domain, using insights from the Job-Demand Resources model, which postulates a health impairment and motivational process. Self-administered online survey techniques will be implemented to obtain responses from the respondents. The structure, reliability, and validity of this unidimensional with a few items measured was constructed and focused on four independent heterogeneous samples of academicians employed in Malaysia (N=370). Three hypotheses were formulated in this conceptual paper based on the previous considerations and the JD-R model assumptions. The contributions and implications of this study are discussed especially those that will benefit the developing country context, Malaysia. Keywords: job demands, workload, role conflict, work-life imbalance, mental health
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