Faktor-Faktor yang Mempengaruhi Kesedaran Menangani Masalah Keberhutangan Serius di Kalangan Penjawat Awam di Kuala Lumpur

The success of an organization or department was influenced by performance of staffs. The assessment of staffs will be based on the main task of the organizations. There are negative consequences and affect the performance of civil servants as a result of over-indebtedness problems. Now a days, t...

Full description

Saved in:

Bibliographic Details
Main Author:	Ali, Khairudin
Format:	Thesis
Language:	eng eng
Published:	2011
Subjects:	HG Finance
Online Access:	https://etd.uum.edu.my/3067/1/KHAIRUDIN_BIN_ALI.pdf https://etd.uum.edu.my/3067/2/1.KHAIRUDIN_BIN_ALI.pdf
Tags:	Add Tag No Tags, Be the first to tag this record!

id	my-uum-etd.3067
record_format	uketd_dc
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng
advisor	Wan Ahmad, Wan Kozil Saad, Ram Al Jaffri
topic	HG Finance
spellingShingle	HG Finance Ali, Khairudin Faktor-Faktor yang Mempengaruhi Kesedaran Menangani Masalah Keberhutangan Serius di Kalangan Penjawat Awam di Kuala Lumpur
description	The success of an organization or department was influenced by performance of staffs. The assessment of staffs will be based on the main task of the organizations. There are negative consequences and affect the performance of civil servants as a result of over-indebtedness problems. Now a days, the over-indebtedness among civil servants were affected the performance of civil servants, thus it will be affect the disciplinary action. With that, this study entitled "Factors affecting the Awareness of Dealing with Over-Indebtedness among Civil Servants in Kuala Lumpur" was very useful to avoid this problem. The main purpose of this study is to determine the factor of knowledge, attitudes, law enforcement and campaigns influenced the awareness of over-indebtedness among civil servants. Next, this study is also to determine demographic factors that influence the level awareness of overindebtedness among civil servants. The methodology of this research was quantitative method and all data was gathered used questionnaire. The sample size of this research was 300 respondents were collected from selected by department of government sector in Kuala Lumpur. Cronbach's Alpha and factor analysis test was carried out to test the reliability and validity of research of each construct in questionnaire. There are two type of research which is descriptive and inferential statistic was used in this research. Descriptive statistics was applied to elaborate demographic profile and important item in each variable. Before proceed to inferential statistics, the screening data must be implement. The test of normality and multicolinearity was proceeded to fulfil the normality and linearity assumptions. T-test and Anova test was used to find out what are the demographic aspects that impact to decision the level of awareness overindebtness among civil servants. Correlation Pearson was used to know the relationship of knowledge, attitude, implementation of legal and campaigns towards the level of awareness over-indebtness among civil servants. Multiple linear regression analysis was used to examine the relationship between influenced factors towards the level of awareness over-indebtness. Overall findings from this study suggest there were significant influenced between gender, race,level of education, income and expenses towards the level of awareness of over-indebtness. Beside that, the main objective was achieved, there are three factors, knowledge,attitude, implementation of legal influenced. level of awareness of over-indebtness. Campaign was not significantlyinfluenced level of awareness of over-indebtness.
format	Thesis
qualification_name	masters
qualification_level	Master's degree
author	Ali, Khairudin
author_facet	Ali, Khairudin
author_sort	Ali, Khairudin
title	Faktor-Faktor yang Mempengaruhi Kesedaran Menangani Masalah Keberhutangan Serius di Kalangan Penjawat Awam di Kuala Lumpur
title_short	Faktor-Faktor yang Mempengaruhi Kesedaran Menangani Masalah Keberhutangan Serius di Kalangan Penjawat Awam di Kuala Lumpur
title_full	Faktor-Faktor yang Mempengaruhi Kesedaran Menangani Masalah Keberhutangan Serius di Kalangan Penjawat Awam di Kuala Lumpur
title_fullStr	Faktor-Faktor yang Mempengaruhi Kesedaran Menangani Masalah Keberhutangan Serius di Kalangan Penjawat Awam di Kuala Lumpur
title_full_unstemmed	Faktor-Faktor yang Mempengaruhi Kesedaran Menangani Masalah Keberhutangan Serius di Kalangan Penjawat Awam di Kuala Lumpur
title_sort	faktor-faktor yang mempengaruhi kesedaran menangani masalah keberhutangan serius di kalangan penjawat awam di kuala lumpur
granting_institution	Universiti Utara Malaysia
granting_department	Othman Yeop Abdullah Graduate School of Business
publishDate	2011
url	https://etd.uum.edu.my/3067/1/KHAIRUDIN_BIN_ALI.pdf https://etd.uum.edu.my/3067/2/1.KHAIRUDIN_BIN_ALI.pdf
_version_	1747827491865624576
spelling	my-uum-etd.30672022-04-12T00:07:33Z Faktor-Faktor yang Mempengaruhi Kesedaran Menangani Masalah Keberhutangan Serius di Kalangan Penjawat Awam di Kuala Lumpur 2011-10 Ali, Khairudin Wan Ahmad, Wan Kozil Saad, Ram Al Jaffri Othman Yeop Abdullah Graduate School of Business Othman Yeop Abdullah Graduate School of Business HG Finance The success of an organization or department was influenced by performance of staffs. The assessment of staffs will be based on the main task of the organizations. There are negative consequences and affect the performance of civil servants as a result of over-indebtedness problems. Now a days, the over-indebtedness among civil servants were affected the performance of civil servants, thus it will be affect the disciplinary action. With that, this study entitled "Factors affecting the Awareness of Dealing with Over-Indebtedness among Civil Servants in Kuala Lumpur" was very useful to avoid this problem. The main purpose of this study is to determine the factor of knowledge, attitudes, law enforcement and campaigns influenced the awareness of over-indebtedness among civil servants. Next, this study is also to determine demographic factors that influence the level awareness of overindebtedness among civil servants. The methodology of this research was quantitative method and all data was gathered used questionnaire. The sample size of this research was 300 respondents were collected from selected by department of government sector in Kuala Lumpur. Cronbach's Alpha and factor analysis test was carried out to test the reliability and validity of research of each construct in questionnaire. There are two type of research which is descriptive and inferential statistic was used in this research. Descriptive statistics was applied to elaborate demographic profile and important item in each variable. Before proceed to inferential statistics, the screening data must be implement. The test of normality and multicolinearity was proceeded to fulfil the normality and linearity assumptions. T-test and Anova test was used to find out what are the demographic aspects that impact to decision the level of awareness overindebtness among civil servants. Correlation Pearson was used to know the relationship of knowledge, attitude, implementation of legal and campaigns towards the level of awareness over-indebtness among civil servants. Multiple linear regression analysis was used to examine the relationship between influenced factors towards the level of awareness over-indebtness. Overall findings from this study suggest there were significant influenced between gender, race,level of education, income and expenses towards the level of awareness of over-indebtness. Beside that, the main objective was achieved, there are three factors, knowledge,attitude, implementation of legal influenced. level of awareness of over-indebtness. Campaign was not significantlyinfluenced level of awareness of over-indebtness. 2011-10 Thesis https://etd.uum.edu.my/3067/ https://etd.uum.edu.my/3067/1/KHAIRUDIN_BIN_ALI.pdf text eng public https://etd.uum.edu.my/3067/2/1.KHAIRUDIN_BIN_ALI.pdf text eng public masters masters Universiti Utara Malaysia Anderloni, L. dan Vandone (2008). Households Over-Indebtedness In The Economic Literature. Working Paper n. 2008-46. Bailey K.D. (2002). Methods of social Research. New York : Fee Press. Baumeister, R. F. (2008). Yielding to temptation: self-control failure, impulsive purchasing, and consumer behavior. Jurnal Pengguna. 28,670-676. Baumeister, R. F., Bratslavsky, E., Muraven, M., & Tice, D. M. (1998). Ego depletion: Is the active self a limited resource? Journal of Personality and Social Psychology, 74(5), 1252- 1265. Besley, T. and Persson, T. (2010), State Capacity,Conflict, and Development.Econometrica, 78: 1-34. Borg, W.R. & Gall, M.D. (1979). Applying Educational Research : A Practical Guide. Boston, Mass.: Pearson/Allyn & Bacon. Campbell, D. dan Fiske. D. (1959). "Convergent and Discriminant Validation",Psychological. Bulletin, Vol. 56, h. 81 -105. Casey, B. J. (2004).Developmental Psychobiology.Washington, D.C.: American Psychiatric Publishing, 176 pp. Cheema, A. & Soman, D. (2006). Malleable mental accounting: The effect of flexibility on the justification of attractive spending and consumption decisions. Journal Of Consumer Psychology, 16(1), 33-44. Chua Yan Piaw (2006). Kaedah penyelidikan (buku 1). Kuala Lumpur: Mc Graw Hill. Clapp, J. D. & Beck, J. G. (2009). Understanding the relationship between PTSD and social support: The role of negative network orientation. Behaviour Research and Therapy, 47,237- 244. Cohen, J. and P.Cohen (1988). Applied Multiple Regression /Correlation Analysis for the Behavioral Sciences. 2nd edition Hillsdale, N.J: Lawrence Erlbaum. Creswell, J. W. (2004). Research design: Qualitative & quantitative approaches.Sage Publications, Thousand Oaks, Calif. Dearden, Chris (2010). Credit and debt in low-income families.p.2-3 Disney, R., Bridges, S., & Gathergood, J. (2008).Drivers of Over-Indebtedness.Report to the Department for Business, Enterprise and Regulatory Reform. Centre for Policy Evaluation,University of Nottingham. Dourmashkin (2001). Consumer over-indebtedness in the EU: measurement and characteristics. Ms 136- 156. Field A.P (2006). Discovering Statistics Using SPSS (4TH edition). London: Sage. Field (2000). Applied Statistics (SPSS). (6TH edition). Field (2005). Using SPSS(3rd edition). London : Sage. Muka Surat 55. Garman, E. T., Leech, I. E., & Grable, J. E. (1996).The negative impact of employee poor personal financial behaviors on employers.Financia1 Counseling and Planning, Volume 7, 157- 167. George, D. and Mallery, P. (2005). SPSS for windows step-by-step: A simple guide and reference. Guido Liichters & Sayan Chakrabarty (2006). Multicollinearity Detection. Gujarati (2005). Basic Econometrics (Translation Sumarno Zain). Jakarta. Erlangga. Hair, J. F., Black, W. C., Babin, B. J. Anderson, R.E. and Tathan, R.L. (2006).Multivariate Data Analysis. New Jersey Canada: Pearson Prentice Hall. Jamalludin Helmi Bin Hashim, Moktar Hj. Awang,Wan Mohd Nazif Bin Wan Mohd Nori dan Mohd Shatari Abd Ghaffar (1999) Tahap Kesedaran Pelajar-Pelajar Tingkatan 4 Dan 5 Tentang Perakaunan Sebagai Satu Profesion Didaerah Dungun, Terengganu.Universiti Teknologi Mara. Kamleitner, B., Hornung, B. & Kirchler, E. (2010). Over-indebtedness and the interplay of factual and mental money management: An interview study. CGR Working Paper 34. Kamleitner & Holzl, (2009); Prelec & Loewenstein(1998).Cost-Benefit Associations and Their Influence on Loan Experience. Jurnal Pengguna. ms 22-23. Kamleitner, B. & Kirchler, E. (2006).Personal loan users' mental integration of payment and consumption.Marketing Letters, 17(4), 281-294. Kamus Dewan (2010) Dewan Bahasa dan Pustaka, Kementerian Pendidikan,Malaysia Ed. 4 edition. Kempsen, K. (2002). Financial Capability: Making Ends Meet. Financial Capability:Keeping Track Of Finances. Ms.134. Kerlinger, Fred N. (1 973). Foundations of Behavioral Research. 2nd edition. Holt,Rinehart and Winston. Kramer & Charitable, R. (1989). The effect of source credibility on independent auditor's judgments. Unpublished doctoral dissertation, Walden University. Krejcie. R.V. and Morgan, D.W. (1970). Detemining sample size for research.Educational and Psychological Measurements, 30,607-610 Lawrance, E. C. (1 991). Poverty and the rate of time preference: evidence from panel data. Journal of Political Economy, 99(1), 54-77. Lim Chee Chee (2007). Pengurusan Risiko dan Insurans. Kedah : Penerbit Universiti Utara Malaysia, Sintok. Lea, S. E. G. (1999). Credit, debt and problem debt. In P. E. Earl & S. Kemp (Eds.),The Elgar Companion to Consumer Research and Economic Psychology (pp.139- 144). Che1tenham:Edward Elgar. Lea, S. E. G., Webley, P., & Walker, C. M. (1995). Psychological factors in consumer debt: Money management, economic socialization, and credit use. Journal of Economic Psychology, 16(4), 681-701. Lea, S. E. G., Webley, P., & Levine, M. R. (1993). The economic psychology of consumer debt.Journa1 of Economic Psychology, 14(1), 85- 119. Lee, J., Abdul-Rahman, F., & Kim, H. (2007). Debit card usage: an examination of its impact on household debt. Financial Services Review, 16, 73-87. Legge, J.& Heynes, A. (2010).Beyond Reasonable Debt: A Background Report On The Indebtedness Of New Zealand Families.Families Commission & Retirement Commission. Lusardi, A. & Tufano, P. (2008).Debt Literacy, Financial Experiences and 0verindebtedness.NBER Working Paper. Malhotra, M. K., Steel, D. C. & Grover, V. (2007). Decision Sciences: Important Strategic and Tactical Manufacturing. Issues. Volume 25, Issue 2. Masri, S. (2005). Kaedah penyelidikan dun panduan penulisan (esei, proposal, tesis).Klang: Utusan Publications & Distributors Sdn. Bhd. Mohd Majid Konting. (1990). Kaedah penyelidikan pendidikan. Kuala Lumpur:Dewan Bahasa dan Pustaka. Notoatmodjo, S. (2003). Pendidikan dun Perilaku Kesehatan. Rlneka Cipta, Jakarta. Othman Lebar (2007). Asas Psikologi Perkembangan. Kuala Lumpur: Utusan Publications & Distributors Sdn. Bhd. Pallant, Julie (2005). SPSS Survival Manual, 2nd edition. Perry, V. G. dan Morris, M. D. (2005). Who Is in Control? The Role of Self-Perception, Knowledge, and Income in Explaining Consumer Financial Behavior. Prof. Syed Muhammad Naquib al-Attas (2000). The Concept of Religion and the Foundation of Ethics and Morality. Kuala Lumpur: ABIM. Rohana Yusof, Mahyuddin bin Arsat & Nurmhilamani Bte Syamsul Bahri (2004).Implikasi Pembelajaran Berasaskan Amali Terhadap Pembentukan Kerjaya Jurutera. Universiti Teknologi Mara. Roid, G. H. & Haladyna, T. M. (1982). A Technology for Test-Item Wrfting. New York: Harcourt Brace Jovonarich Publishers. Sabitha Marican (2005). Kaedah penyelidikan sains sosial. Prentice Hall Pearson,Petaling Jaya, Malaysia. Sekaran, U. (2003). Research Methods for Business, a Skill- Building Approach, 4th Ed., John Wiley and Sons Inc. Syaharom (1990). Modul Pembelajaran Kendiri, Universiti Teknologi Mara, muka surat 33. Syed Arabi Idid. (1992). Kaedah Penyelidikan Komunikasi dun Sains Sosial. Dewan Bahasa dan Pustaka, Kuala Lumpur. Tuckrnan, B. W. (1978). Conducting educational research. New York: Harcourt Brace Jovanovich. Wenden, A. (1 99 1). Learner strategies for learner autonomy. London: Prentice Hall. Laman Web: Berita Harian (2011). Statistik penjawat awam muflis. Dipetik dari Berita Harian bertarikh 3 Mac 2011 melalui: http://www.bharian.com.my/bharian/artic1l0e8s6/penjawatawammuflis/Article/ Utusan Malaysia (April 2001). Ucapan dari Dr. Rais Yatim mengenai Undang-undang dan Penguatkuasaan.Dipetik dari Utusan Malaysia bertarikh 1 April 2001 melalui: http://skmin. tripod.com/rencana~rencana6.html Bernama (2009, 29 Jun).450,000 Kakitangan awam dibebani hutang. Dipetik dari Utusan Malaysia bertarikh 29 Jun 2009 melalui:http://laaiberita.blogsvot.com/2009_06_25_archive.html Laporan: Akta Badan Berkanun (Tatatertib dan Surcaj) (Akta 605),Kaedah 12(7).

Faktor-Faktor yang Mempengaruhi Kesedaran Menangani Masalah Keberhutangan Serius di Kalangan Penjawat Awam di Kuala Lumpur

Similar Items