Harga Diri, Niat Menambah Pinjaman Dan Gelagat Perbelanjaan Individu Muslim Berpendapatan Rendah Di Sektor Perladangan

The importance of self-esteem cannot be underestimated. According to many previous researchers, self-esteem affects people behavior and thoughts. It changes how people feel about and value themself. It affects their confidence, and that can affect their success and thinking in a big way. Therefore, the objective of this study is examines the influence of self-esteem towards the intention of increasing the loan and the spending behavior of tahsiniyyat goods among the low-income people in plantation sector in Sabah. The study utilized data obtained from questionnaires that have been completed by 378 low-income people in Felda, Sabah.  The data analysis was carried out through Partial Least Squares-Structural Equation Modeling (PLS-SEM) techniques by using the SmartPLS 2.0 M3 software. The results revealed that there is a significant relationship between self-esteem with intention to increase their loans. We also observe that generally low-income people in plantation sector have spent their loan in tahsiniyyat goods. Results of this study suggest it is important for policymakers to increase financial literacy of low-income people by implementing various financial education programs so that they student can spent their loan wisely.