Pengaruh literasi kewangan, agen sosialisasi kewangan dan lokus kawalan terhadap amalan pengurusan kewangan dan pencapaian akademik pelajar Institusi Pengajian Tinggi

Kajian ini bertujuan mengkaji pengaruh literasi kewangan, agen sosialisasi kewangan danlokus kawalan terhadap amalan pengurusan kewangan dan pencapaian akademik pelajar InstitusiPengajian Tinggi (IPT). Kajian berbentuk tinjauan ini menggunakan instrumen soal selidik yangditadbirkan kepada 480 orang...

Full description

Saved in:
Bibliographic Details
Main Author: Norhaslinda Daud
Format: thesis
Language:zsm
Published: 2019
Subjects:
Online Access:https://ir.upsi.edu.my/detailsg.php?det=6788
Tags: Add Tag
No Tags, Be the first to tag this record!
id oai:ir.upsi.edu.my:6788
record_format uketd_dc
institution Universiti Pendidikan Sultan Idris
collection UPSI Digital Repository
language zsm
topic
spellingShingle
Norhaslinda Daud
Pengaruh literasi kewangan, agen sosialisasi kewangan dan lokus kawalan terhadap amalan pengurusan kewangan dan pencapaian akademik pelajar Institusi Pengajian Tinggi
description Kajian ini bertujuan mengkaji pengaruh literasi kewangan, agen sosialisasi kewangan danlokus kawalan terhadap amalan pengurusan kewangan dan pencapaian akademik pelajar InstitusiPengajian Tinggi (IPT). Kajian berbentuk tinjauan ini menggunakan instrumen soal selidik yangditadbirkan kepada 480 orang responden yang mengikuti program Ijazah Sarjana Muda di lapanIPT. Data kajian dianalisis dengan menggunakan statistik deskriptif dan inferensi sepertifrekuensi, peratus, min, sisihan piawai, ujian-t sampel tidak bersandar dan ujian linearregresi berganda. Dapatan kajian menunjukkan sumber utama kewangan responden terdiri daripadabiasiswa atau pinjaman yang diperoleh daripada badan kerajaan atau swasta. Majoriti respondenmengalami masalah kewangan kerana wujud ketidakseimbangan antara pendapatan dan perbelanjaan. Responden mempunyai tahap literasi kewangan (Min=3.29, SP=1.01), agensosialisasi kewangan (Min=2.48, SP=1.10), lokus kawalan (Min=3.30, SP=1.00), amalan pengurusan kewangan (Min=3.13, SP=0.99) dan pencapaian akademik (Min=2.74, SP=0.92) yangsederhana. Pengujian hipotesis mendapati pelajar lelaki mempunyai amalan pengurusan kewangan yanglebih baik t(478)=2.60, p
format thesis
qualification_name
qualification_level Doctorate
author Norhaslinda Daud
author_facet Norhaslinda Daud
author_sort Norhaslinda Daud
title Pengaruh literasi kewangan, agen sosialisasi kewangan dan lokus kawalan terhadap amalan pengurusan kewangan dan pencapaian akademik pelajar Institusi Pengajian Tinggi
title_short Pengaruh literasi kewangan, agen sosialisasi kewangan dan lokus kawalan terhadap amalan pengurusan kewangan dan pencapaian akademik pelajar Institusi Pengajian Tinggi
title_full Pengaruh literasi kewangan, agen sosialisasi kewangan dan lokus kawalan terhadap amalan pengurusan kewangan dan pencapaian akademik pelajar Institusi Pengajian Tinggi
title_fullStr Pengaruh literasi kewangan, agen sosialisasi kewangan dan lokus kawalan terhadap amalan pengurusan kewangan dan pencapaian akademik pelajar Institusi Pengajian Tinggi
title_full_unstemmed Pengaruh literasi kewangan, agen sosialisasi kewangan dan lokus kawalan terhadap amalan pengurusan kewangan dan pencapaian akademik pelajar Institusi Pengajian Tinggi
title_sort pengaruh literasi kewangan, agen sosialisasi kewangan dan lokus kawalan terhadap amalan pengurusan kewangan dan pencapaian akademik pelajar institusi pengajian tinggi
granting_institution Universiti Pendidikan Sultan Idris
granting_department Fakulti Pengurusan dan Ekonomi
publishDate 2019
url https://ir.upsi.edu.my/detailsg.php?det=6788
_version_ 1747833309137731584
spelling oai:ir.upsi.edu.my:67882022-02-18 Pengaruh literasi kewangan, agen sosialisasi kewangan dan lokus kawalan terhadap amalan pengurusan kewangan dan pencapaian akademik pelajar Institusi Pengajian Tinggi 2019 Norhaslinda Daud Kajian ini bertujuan mengkaji pengaruh literasi kewangan, agen sosialisasi kewangan danlokus kawalan terhadap amalan pengurusan kewangan dan pencapaian akademik pelajar InstitusiPengajian Tinggi (IPT). Kajian berbentuk tinjauan ini menggunakan instrumen soal selidik yangditadbirkan kepada 480 orang responden yang mengikuti program Ijazah Sarjana Muda di lapanIPT. Data kajian dianalisis dengan menggunakan statistik deskriptif dan inferensi sepertifrekuensi, peratus, min, sisihan piawai, ujian-t sampel tidak bersandar dan ujian linearregresi berganda. Dapatan kajian menunjukkan sumber utama kewangan responden terdiri daripadabiasiswa atau pinjaman yang diperoleh daripada badan kerajaan atau swasta. Majoriti respondenmengalami masalah kewangan kerana wujud ketidakseimbangan antara pendapatan dan perbelanjaan. Responden mempunyai tahap literasi kewangan (Min=3.29, SP=1.01), agensosialisasi kewangan (Min=2.48, SP=1.10), lokus kawalan (Min=3.30, SP=1.00), amalan pengurusan kewangan (Min=3.13, SP=0.99) dan pencapaian akademik (Min=2.74, SP=0.92) yangsederhana. Pengujian hipotesis mendapati pelajar lelaki mempunyai amalan pengurusan kewangan yanglebih baik t(478)=2.60, p 2019 thesis https://ir.upsi.edu.my/detailsg.php?det=6788 https://ir.upsi.edu.my/detailsg.php?det=6788 text zsm closedAccess Doctoral Universiti Pendidikan Sultan Idris Fakulti Pengurusan dan Ekonomi Abdul Halim Tamuri, Zuria Mahmud & Safani Bari. (2005). Permasalahan Pelajar- Pelajar Fakir Miskindi Daerah Sabak Bernam. Jurnal Pendidikan Malaysia, 30, 21-33.Ahmad Rizal Madar, Nurul Akmar Kamaruddin & Saifulnizam Puteh. (2005). Faktor- faktor YangMempengaruhi Pencapaian Pelajar Dalam Menguasai Mata Pelajaran Kejuruteraan DiPoliteknik-Politeknik Kementerian Pengajian Tinggi Malaysia. Prosiding Seminar Pendidikan JPPG2005.Aisyah Abdul-Rahman & Wajeeha Zulkifly. (2016). Faktor Penentu Pengurusan Kewangan:Kes Mahasiswa Universiti Kebangsaan Malaysia. Jurnal Personalia Pelajar, 19(2), 85-94.Alan, S. & Ertac, S. (2014). Good Things Come To Those Who Are Taught How To Wait: Results From ARandomized Educational Intervention On Time Preference. HCEO Working Paper.Ali, A., Rahman, Mohd S. A. & Bakar, A. (2013). Financial Literacy and Satisfaction in Malaysia: APilot Study. International Journal of Trade, Economics and Finance, 4(5), 319-324.Alwi, S., Amir Hashim, I. Z. & Ali, M. S. (2015). Factors Affecting Savings Habits WithinMillennials In Malaysia: Case Study On Students Of Taylors University. Global Business ResearchJournals, 7-9, (SCOPUS-Indexed).Amir Hasan Dawi. (2006). Penteorian Sosiologi dan Pendidikan. TanjongMalim: Quantum Books.Amla Salleh. (2010). Peranan Bapa Dalam Pembangunan Sahsiah Remaja Dan Implikasinya Terhadap NilaiKekeluargaan. Jurnal Pendidikan Malaysia, 35(2), 9-17.Anderson, D. A. & Hamilton, M. C. (2005). Gender Role Stereotyping Of Parents In Childrens PictureBooks: The Invisible Father. Sex Roles, 52, 145-151.Andrews, B. & Wilding, J. M. (2004). The Relation Of Depression And Anxiety To Life-Stress And Achievement In Students. British Journal Of Psychology, 95, 509-521.Andy, S. (2012). Sociology. Comprehensive Edition (v. 1.0). Creative Commons.An, G. Y. & Sean P. (2013). A Beginners Guide to Factor Analysis: Focusing on Exploratory FactorAnalysis. Tutorials in Quantitative Methods for Psychology, 9(2), 79-94.Anuwar Ali. (1997). Dasar Pengkorporatan Institusi Penyelidikan Tinggi Awam (IPTA). Seminar DasarPengkorporatan Institusi Penyelidikan Tinggi Awam (IPTA), 1-3 December 1997, Auditorium, HospitalUniversiti Kebangsaan Malaysia (HUKM).Apeagyei, P. R. (2011). The Impact Of Image On Emerging Consumers Of Fashion.International Journal Of Management Cases, 13(4), 242-251.April, A. K., Dharani, B. & Peters, K. (2012). Impact of Locus of Control Expectancy on Level ofWell-Being. Review of European Studies, 4(2), 124-137.Arnold, D. H, Zeljo, A. & Doctoroff, G. L. (2008). Parent Involvement In Preschool: Predictors AndThe Relation Of Involvement To Prelitery Development. School Psychology Review, 37(1), 74-90.Ary H. Gunawan. (2000). Sosiologi Pendidikan. Jakarta. Rineka Cipta.Azam, Z. (2007). Tekanan Dan Daya Tindak Pelajar Dwi Major Di Fakulti Ekologi Manusia. Serdang:Universiti Putra Malaysia.Azizi Yahaya, Abdul Razak Zaiden, Sharifudin Ismail & Zanariah Abdul Rahman. (2003). HubunganAntara Lokus Kawalan Dengan Pencapaian Akademik di Kalangan Pelajar-pelajar Sekolah MenengahTeknik. National Seminar Memperkasakan Sistem Pendidikan, Puteri Pan-Pacific, Johor Bahru.Azman. (2014). Constraints And Remedies To Students Dread For The Sciences.Scientific Journal Of Educational Administrators, 3(8), 9-19.Azura Hamdan, Rohany Nasir, Rozainee Khairudin & Wan Shahrazad Wan Sulaiman. (2015). PerbezaanKecermerlangan Pelajar Dari Perspektif Pengurusan Masa, Keputusan Akademik Terdahulu Dan Jantina.Jurnal Psikologi Malaysia, 29(1), 39-52.Babalola, J. O. & Fayombo, G. A. (2009). Investigating The Combined And Relative Effects Of SomeStudent Related Variables On Science Achievement Among Secondary School Students In Barbados: European Journal Of ScientificResearch, 37(3), 481-489.Badrulzaman Baharom. (2008). Persekitaran Keluarga Dan Kesannya TerhadapTingkah Laku Devian Remaja Di Daerah Pontian, Johor. Universiti Teknologi Malaysia.Bandura, A. (1977). Social Learning Theory. New York: General Learning Press.Bandura, A. (1986). Social Foundations of Thought and Action. Englewood Cliffs, NJ: Prentice-Hall.Bandura, A. (1997). Self-Efficacy: The Exercise of Control. New York: H. W. Freeman.Bandura, A., Caprara, G. V, Barbaranelli, C., Gerbino, M. & Pastorelli, C. (2003). Role OfAffective Self-Regulatory Efficacy On Diverse Spheres Of Psychosocial Functioning. ChildDevelopment, 74, 769-782.Bank Negara Malaysia (BNM). (2010). Statistics Of Credit Card Operations In Malaysia, March 2010.Barboza, G. A., Smith, C. & Pesek, J. G. (2014). Impact of Gender and Academic PerformanceDifferences on Financial Literacy. Journal of Financial Education, 42(3-4), 205-242.Barjoyai, B. & Mohd Fairuz, M. S. (1996). Pengurusan Kewangan Keluarga. Kuala Lumpur: UtusanPublications & Distribution Sdn. Bhd.Barry, I., Gabriel, J. & Alan, W. (2008). Gaming Frequency and Academic Performance.Australasian Journal of Educational Technology, 24(4), 355-373.Beal, D. J. & Delpachitra, S. B. (2003). Financial Literacy Among Australian University Students.Journal Of Applied Economics And Policy, 22(1), 65-78.Becchetti, L., Caiazza, S. & Coviello, D. (2013). Financial Education And Investment Attitudes InHigh Schools: Evidence From A Randomized Experiment, Applied Financial Economics, Taylor & FrancisJournals, 23(10), 817-836.Berita Harian. (2011). 73 Peratus Pelajar Daif Ambil Pradiploma UiTM. Diperolehi pada 21 Febuari2017 daripada http:// http://www.bharian.com.my.Bernheim, B. D., Garrett, D. M. & Maki, D. M. (2001). Education And Saving: The Long-Term EffectsOf High School Financial Curriculum Mandates. Journal OfPublic Economics, 80, 435-465.Bona, J. T. C. (2018). Factors Affecting The Spending Behavior Of College Students.Journal of Fundamental and Applied Sciences, 10(3), 142-152.Borden, L. M., Lee, S. A., Serido, J. & Collins, D. (2008). Changing College Students FinancialKnowledge, Attitudes And Behaviour Through Seminar Participation. Journal Of Family EconomicIssues, 29(1), 23-40.Braunstein, S. & Welch, C. (2002). Financial Literacy: An Overview Of Practice, Research AndPolicy. Federal Reserve Bulletin, 88, 445-457.Brigham, E. F., Houston, J. F., Jun-Ming, H., Yoon Kee, K. & Bany-Ariffin, A. N. (2014). Essentialsof Financial Management. 3rd Edition. Cengage Learning. Singapore.Britt-Lutter, S., Cumbie, J. A. & Bell, M. M. (2013). The Influence of Locus of Control on StudentFinancial Behavior. College Student Journal, 47(1), 178-184.Brown, M. & Graf, R. (2013). Financial Literacy, Household Investment and Household Debt: Evidencefrom Switzerland. Working Paper on Finance No. 13/1. Swiss Institute of Banking and Finance.Budi Santoso. (2012). Definisi, Peranan dan Fungsi Mahasiswa. Diperolehi pada 4 Oktober 2016daripada http://pamuncar.blogspot.my/2012/06/definisi-peranan- dan-fungsi-mahasiswa.html.Bucher-Koenen, T., Lusardi, A. & Van Rooij, M. (2016). How Financially Literate Are Women? AnOverview And New Insights. Forthcoming Journal Of Consumer Affairs, 51(2), 255-283.Burkolter, D. & Kluge, A. (2011). Online Consumer Behavior And Its Relationship WithSocio-Demographics, Shopping Orientations, Need For Emotion, And Fashion Leadership. Journal OfBusiness And Media Psychology, 2(2), 20-28.Brugiavini, Agar, Cavapozzi, Danilo, Padula, Mario, Pettinicchi & Yuri. (2015).Financial Education, Literacy And Investment Attitudes. SAFE Working Paper No. 86.Bruine De Bruin, W., Strough, J. & Parker, A. M. (2014). Getting Older Isn't All That Bad: BetterDecisions And Coping When Facing Sunk Costs. Psychology AndAging, 29(3), 642-647.Buijzen, M. & Valkenburg, P. M. (2003). The Effects Of Television Advertising OnMaterialism, Parent, Child Conflict, And Unhappiness: A Review Of Research.Journal Of Applied Developmental Psychology, 24, 437-456.Bush, A. J. & Martin, C. A. (2000). Do Role Models Influence Teenagers Purchase Intentions andBehaviour? Journal of Consumer Marketing, 17(5), 441-454.Cameron, M. P., Calderwood, R. J., Cox, A., Lim, S. & Yamaoka, M. (2013). Personal FinancialLiteracy Among High School Students in New Zealand, Japan and the United States. Department ofEconomics Working Paper Series, Number 13/04. Hamilton, New Zealand: University of Waikato.Carlin, B. & Robinson, D. (2012). What Does Financial Literacy Training Teach Us?.The Journal Of Economic Education, 43(3), 235-247.Carpentier, A., Brijs, K., Declercq, K., Brijs, T., Daniels, S. & Wets, G. (2014). The Effect ofFamily Climate on Risky Driving of Young Novices: The Moderating Role of Attitude and Locus ofControl. Accident Analysis and Prevention, 73, 53-64.Chartejee, S. (2013). Borrowing Decisions of Credit Constrained Consumers and the Role FinancialLiteracy. Economics Bulletin, 33(1), 179-191.Chen, G. (2005). Newcomer Adaptation In Team: Multilevel Antecedents And Outcomes. Academy OfManagement Journal, 48, 101-116.Chua, Y. P. (2011). Kaedah dan Statistik Penyelidikan. Malaysia : McGrawhill.Clarke, M. D., Heaton, M. B., Israelsen, C. L. & Eggett, D. L. (2009). The Acquisition Of FamilyFinancial Roles And Responsibilities. Family And Consumer Sciences,33(4), 321-340.Corcoran, J. & Ivery, J. (2004). Parent and Child Attributions for Child Behavior:Distinguishing Factors for Engagement and Outcome. Families in Society, 85(1), 101-106.Cresswell, J. W. (2008). Educational Research: Planning, Conducting and Evaluating Quantitative andQualitative Research. Second Edition. New Jersey: PearsonMerill Prentice Hall.Crutchfield, R. & Maguire, J. (2018). Study Of Students Basic Needs. California StateUniversity.Cude, B., Lawrence, F., Lyons, A., Metzger, K., LeJeune, E., Marks, L. & Machtmes,K. (2006). College Students and Financial Literacy: What They Know and What We Need to Learn.Proceedings of the Eastern Family Economics and Resource Management Association, 102-109.Cull, M. & Whitton, D. (2011). University Students' Financial Literacy Levels: Obstacles And Aids.The Economic And Labour Relations Review : ELRR, 22(1), 99-114.Dahlia, I., Rabitah, H. & Zuraidah. (2009). A study on Financial Literacy of Malaysia DegreeStudents. Cross Cultural Communication, 5(4), 51-59.Daing Diana Maarof & Mohd Nizam Osman. (2013). Pengaruh Faktor Sosial Kesan Kempen Media Tak NakMerokok Kementerian Kesihatan Malaysia. Jurnal Komunikasi; Malaysian Journal of Communication,29(1), 179-198.Danes, S. M. & Haberman, H. (2004). 2003-2004 Evaluation Of The NEFE HSFPP.Diperolehi pada 21 Mac 2017 daripada https://www.nefe.org/.Darwish Abdulrahman Yousef. (2011). Academic Performance of Business Students in QuantitativeCourses: A Study in the Faculty of Business and Economics at the UAE University. Decision SciencesJournal of Innovative Education, 9(2), 255- 267.Deary, I. J., Strand, S., Smith, P. & Fernandes, C. (2007). Intelligence and EducationalAchievement. Intelligence, 35, 13-21.Dewi, K. S., Prihatsanti, U., Setyawan, I. & Siswati. (2015). Childrens Aggressive BehaviorTendency in Central Java Coastal Region: The Role of Parent-Child Interaction, Fathers Affectionand Media Exposure. Procedia Environmental Sciences, 23, 192-198.Dorjana, N. & Shkelqim, C. (2013). The Differences In Students Financial Literacy Based OnFinancial Education. Academicus International Scientific Journal, Entrepreneurship Training CenterAlbania, 8, 149-160.Dustmann, C. & Van Soest, A. (2009). Part-Time Work, School Success And SchoolLeaving. Empirical Economics, 32, 277-299.Englander, F., Terregrossa, R. A. & Wang, Z. (2010). Internet Use among CollegeStudents: Tool or Toy? Educational Review, 62(1), 85-96.Ernest, C. R., Mohsin, B. & Chung, Y. N. (2010). The Influence of Role Models on Young AdultsPurchase. Jurnal Kemanusiaan, 15, 70-81.Fairus Muhamad Darus, Nur Hayati Abdul Rahman, Ahmad Zia Ul-Saufie Mohamad Japeri & Siti AsmahYunos. (2009). Corak Perbelanjaan Mahasiswa Universiti Teknologi Mara Pulau Pinang. Jurnal HalEhwal Pelajar, 1(1), 3-9.Farah Margarehta & Reza Arief Pambudhi. (2015). Tingkat Literasi Keuangan pada Mahasiswa S-1Fakulti Ekonomi. Jurnal Manajemen dan Kewirausahaan, 17(1), 76-85.Fariza Md Sham & Muhammad Faisal Ashaari. (2010). Media sebagai Tarikan Psikologi Dalam Dakwah.Kertas Kerja Muzakarah Ulama dan Cendiakawan Islam 2010. Perak: Pejabat SUK Negeri Perak.Fastre, G., Gijselaers, W. H. & Segers, M. (2008). Selection to Ensure Study Success: Looking forMultiple Criteria in the case of European Master of Science Program in Business. Journal ofEducation for Business, 84(1), 47-54.Ferlis Buller @ Bahari, Balan Rathakrishnan & Rosnah Ismail. (2009). Sumber Stress, Strategi DayaTindak dan Stress yang di alami Pelajar Universiti. Jurnal Kemanusiaan, 13, 46-62.Fidlizan Muhammad, Azila Abdul Razak, Mohd Yahya Mohd Hussin & Fatimah Salwa Abdul Hadi. (2015).Kehidupan Kelas Menengah Malaysia : Satu Kajian Kes Mengenai Corak Perbelanjaan Guru DalamPemilikan Aset Dan Pelaburan Kewangan. Malaysian Journal Of Society And Space, 11(11), 1-13.Field, A. P. (2017). Discovering Statistics using IBM SPSS Statistics. (5th ed.). London, UK: SAGE.Ford, M. W. & Kent, D. W. (2010). Gender Differences in Student Financial Market Attitudes andAwareness: An Exploratory Study. Journal of Education for Business, 85(1), 7-12.Fredrick, S. (2008). Gender Differences In Performance Of Chemistry Practical Skills Among SeniorSix Students In Kampala District Bola Raton Florida.Dissertation.French, C. & Shojaee, M. (2014). The Relationship between Mental Health Componentsand Locus of Control in Youth. Psychology, 5, 966-978.Ganda Yahya. (2004). Petunjuk Praktis Cara Mahasiswa Belajar di Perguruan Tinggi.PT. Grasindo, Jakarta.Garca-Vargas, M. C., Rizo-Baeza, M. & Corts-Castell, E. (2016). Impact Of Paid Work On TheAcademic Performance Of Nursing Students. PeerJ, 1838.Gavigan, K. (2010). Show Me The Money Resources: Financial Literacy For 21st- Century Learners.Library Media Connection, 28(5), 24-27.Ghasemi, A. & Zahediasl, S. (2012). Normality Tests for Statistical Analysis: A Guide orNon-Statisticians. Int J Endocrinol Metab, 10(2), 486-489.Gilman, R. & Anderman, E. M. (2006). Motivation And Its Relevance To School Psychology: AnIntroduction To Special Issue. Journal On School Psychology, 44, 325-329.Goetz, J. W., Cude, B. J., Nielsen, R. B., Chatterjee, S. & Mimura, Y. (2011). College- BasedPersonal Finance Education: Student Interest In Three Delivery Methods. Journal Of FinancialCounseling And Planning, 22(1), 27-42.Grable, J. E. & Joo, S. H. (2006). Student Racial Differences In Credit Card Debt And FinancialBehaviors And Stress. College Student Journal, 40(2), 400-408.Grable, J. E., Michael, R., Joo, S. H., Barbara, O. N. & Ruth, H. L. (2009). A Test of theRelationship between Self-Classified Financial Risk-Tolerance and Investment Risk-Taking Behaviour. International Journal of Risk Assessment and Management 12 (2/3/4),396-419.Grable, J. E., Park, J. & Joo, S. (2009). Explaining Financial Management Behavior for KoreansLiving in the United States. Journal of Consumer Affairs, 43(1), 80-105.Harian Metro. (2016). Derita Ikat Perut. Diperolehi pada 25 November 2017 daripadahttps://www. hmetro.com.my/node/119544.Haslina Hassan, Naimah Ismail & Hamzan Harun. (2013). Kajian Terhadap PengurusanWang Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) Dalam Kalangan Pelajar Semester EnamPoliteknik Tuanku Sultanah Bahiyah, Jabatan Pengajian Am Politeknik Tuanku Sultanah Bahiyah, Kulim,Kedah.Hayhoe, C. R., Leach, L. J., Tuner, P. R., Bruin, M. J. & Lawrence, F. C. (2005).Differences In Spending Habits And Credit Use Of College Students. The Journal Of Consumer Affairs,34(1), 113-133.Haznis. (2014). Panduan Berjimat Cermat Untuk Pelajar Kampus. Diperolehi pada 18 Oktober 2018daripada nurilhamsabri.blogspot.com/.Hellriegel, D., Slocum, J. W. & Woodman, R. W. (2010). Organizational Behaviour.Mason: South-Western Cengage Learning.Henry, R. A., Weber, Janice, G., Yarbrough & David. (2001). Money Management Practices Of CollegeStudents. College Student Journal, 35(2), 244-249.Hill, N. E. & Tyson, D. F. (2009). Parental Involvement In Middle School: A Meta- AnalyticalAssessment Of The Strategies That Promote Achievement. Journal Of Developmental Psychology, 45(3),740-763.HSBC Bank Malaysia. (2017). The Power Of Protection, Facing The Future Survey.Malaysia Report.Hussin Abdullah, Aeefi Alghazali Mohd Idrus & Normala Mehat. (2013). Kefahaman dan KesediaanPengguna Terhadap Pelaksanaan Cukai Barang dan Perkhidmatan (GST) : Satu Tinjauan Awal.Prosiding Perkem VIII, Jilid 2, 688 - 702.Huzaimah Yasmin & Ahmad Anuar. (2017). Tahap Literasi Kewangan Di Kalangan Mahasiswa. InternationalConference on Global Education.Ida & Dwinta, C. Y. (2010). Pengaruh Locus Of Control, Financial Knowledge,Income Terhadap Financial Management Behavior. Jurnal Bisnis Dan Akuntansi, 12(3), 131-144.Idris, F. H., Krishnan, K. S. D. & Azmi, N. (2013). Relationship Between Financial Literacy AndFinancial Distress Among Youths In Malaysia - An EmpiricalStudy. Malaysian Journal Of Society And Space, 9(4), 106-117.Iloh, E. & Ikenna, A. (2009). Electoral Process And Gender Discrimination In Nigeria:A Case Study Of 2003 And 2007 General Elections.Itodo, D. S. (2011). Nigeria: Youths and Social Networking Obsession. Diperolehi pada 20 Febuari2017 daripada http://allafrica.com/stories/201110140376.html.Jabatan Insolvensi Negara. (2013). Statistik Bankrup. Diperolehi pada 20 Febuari 2017 daripadahttp://www.insolvensi.gov.my.Jabatan Perkhidmatan Awam (JPA). (2017). Diperolehi pada 20 Febuari 2017 daripadahttp://www.jpa.gov.my.Jaclyn, C. (2011). Is Generation Y Addicted to Social Media? A Journal on Strategic Communicationsfor Elon University, 2(1), 5-14.Jagman, H. (2014). Libraries And Financial Literacy Education, Financial Literacy Across TheCurriculum (And Beyond). College And Research Libraries News, 75(5), 254-257.Jamal, A. A. A., Ramlan, W. K., Karim, M. R. A. & Osman, Z. (2015). The Effects Of Social InfluenceAnd Financial Literacy On Savings Behavior: A Study On Students Of Higher Learning Institutions InKota Kinabalu, Sabah. International Journal Of Business And Social Science, 6(11), 110-119.Jasmi Kamarul Azmi. (2012). Metodologi Pengumpulan Data dalam Penyelidikan Kualitatitif dalamKursus Penyelidikan Kualitatif Siri 1 2012. Institut Pendidikan Guru Malaysia Kampus TemenggongIbrahim, Johor Darul Ta'zim.John, D. (1999). Consumer Socialization Of Children: A Retrospective Look At Twenty?Five Years OfResearch. Journal Of Consumer Research. 26, 183-213.Jones, J. E. (2005). College Students' Knowledge and Use of Credit. Journal of Financial Counseling& Planning, 16(2), 9-16.Joo, S., Durband, D. B. & Grable, J. (2008). The Academic Impact Of Financial Stress On CollegeStudents. Journal Of College Student Retention, 10(3), 287- 305.Joo, S., Grable, J. E. & Bagwell, D. C. (2003). Credit Card Attitudes And BehaviorsOf College Students. College Student Journal, 37, 405-419.Joo, S. H. (2008). Personal Financial Wellness. In J. J. Xiao (Ed.), Handbook ofConsumer Finance Research. New York, N.Y.: Springer.Joseph, F. H., Jr, M. W., Arthur, H. M., Phillip, S. & Michael J. (2015). Essentials of BusinessResearch Methods. M. E. Sharpe, Incorporated.Joseph, F. H., Jr, W. C., Black, Barry, J. B. & Rolph, E. A. (2010). Multivariate Data Analysis.7th Edition. Pearson.Josiah, O. & Etuk-Iren, O. A. (2014). Effect Of Gender, Age And Mathematics Anxiety On CollegeStudents Achievement In Algebra. American Journal Of Educational Research, 2(7), 474-476.Jumaat Abd Moen, Ahmad Raflis, Zaimah Darawi & Hamdino Hamdan. (2012). Amalan Pengurusan Kewangandi Kalangan Usahawan Asnaf. Prosiding PERKEM VII, Jilid 2, 762-769.Kementerian Kewangan Malaysia. (2017). Laporan Bajet 2017. Diperolehi pada 20 Oktober 2016 daripadahttp://www.treasury.gov.my.Kementerian Pendidikan Malaysia (KPM). (2013). Pelan Pembangunan Pendidikan Malaysia 2013-2025.Diperolehi pada 20 Oktober 2016 daripada http://www.moe.gov.my.Kementerian Pendidikan Malaysia (KPM). (2017). Diperolehi pada 20 Febuari 2017 daripadahttp://www.moe.gov.my.Kerkmann, B. C., Lee, T. R., Lown, J. M. & Allgood, S. M. (2000). Financial Management, FinancialProblems And Marital Satisfaction Among Recently Married University Students. Association ForFinancial Counselling And Planning Education, 11(2), 55-64.Kezar, A. & Yang, H. (2010). The Importance Of Financial Literacy. About Campus.Wiley InterScience, 14(6), 15-21.Khairol Adha. (2004). Kesesuaian Bidang Dan Perkaitannya Dengan Pencapaian Akademik Pelajar.Disertasi.Khan, U. (2009). Facebook Students Underachieve in Exams. Diperolehi pada 1 Febuari2017 daripada http://www.telegraph.co.uk.Khwaileh, F. M. & Zaza, H. I. (2011). Gender Differences in Academic Performanceamong Undergraduates at the University of Jordan: Are They Real or Stereotyping? College StudentJournal, 45(3), 633-648.Kim, E., Newton, F. B., Downey, R. G. & Benton, S. L. (2010). Personal Factors Impacting CollegeStudent Success: Constructing College Learning Effective Inventory (CLEI). College Student Journal,44(1), 112-125.Kirkpatrick, L. A. & Feeney, B. C. (2005). A Simple Guide to SPSS for Windows, Version 12.0 and13.0. Wadsworth Publishing.Koch, J., Salamonson, Y., Andrew, S., Taylor, C., Everett, B. & Davidson, P. (2010). Using ATemplate Approach To Learn And Teach Pathophysiology In Nursing Education: An Evaluation Study. International Conference Of Education, Research And Innovation. 15th-17th OfNovember, 2010, Madrid (Spain).Koh, N. K. & Lee, C. B. (2010). Because My Parents Say So - Children's Monetary Decision Making.Procedia - Social and Behavioral Sciences, 9, 48-52.Kosmo. (2017). Muflis Pada Usia Muda. Diperolehi pada 3 April 2017 daripada http://kosmo.com.my.Krejcie, R. V. & Morgan, D. W. (1970). Determining Sample Size for Research Activities. Educationaland Psychological Measurement, 30, 607-610.Kretschmer, T. & Pike, A. (2010). Links Between Non-Shared Friendship Experiences andAdolescent Siblings' Differences in Aspirations. Journal of Adolescence, 33(1), 101-110.Kumari, R. & Garita, R. (2012). Relationship Between Stress And Academic Achievement In SeniorSecondary School Students. Asian J Multidimensional Research, 1(3), 76-82.Kutanis, R., Mesci, M. & Ovdur, Z. (2011). The Effects of Locus of Control on Learning Performance:A Case of an Academic Organization. Journal of Economic and Social Studies, 1(2), 113-133.Laible, D. J., Carlo, G. & Roesch, S. C. (2004). Pathways To Self-Esteem In Late Adolescence: TheRole Of Parent And Peer Attachment, Empathy And SocialBehaviours. Journal Of Adolescence, 27, 703-716.Lawrence, A. S. A. (2013). Emotional Intelligence and Academic Achievement of HighSchool Students in Kanyakumari District. International Journal of Physical and Social Sciences,3(2), 101-107.Lay, Y. & Khoo, C. (2008). Pengenalan Kepada Analisis Statistik Dalam Penyelidikan Sains Sosial.(Vol. Siri 1). Batu Caves, Selangor: Venton Pub. (M).Leila Falahati & Laily Paim. (2011). A Comparative Study in Money Attitude among UniversityStudents: A Gendered View. Journal of American Science, 7(6), 1144-1148.Lilawati Abdul Wahab. (2013). Aplikasi Prinsip Pemuliharaan Terhadap Kerja Penyesuaigunaan BangunanBersejarah Sebagai Hotel di Tapak Warisan Dunia UNESCO Melaka dan George Town. Universiti SainsMalaysia.Listiani Kurnia. (2017). Pengaruh Financial Knowledge, Locus Of Control Dan Financial AttitudeTerhadap Financial Management Behavior Pada Mahasiswa. Undergraduate Thesis, Stie PerbanasSurabaya.Liu, W. C. & Wang, C. K. (2005). Academic Self-Concept: A Cross-Sectional Study of Grade andGender Differences in a Singapore Secondary School. Asia Pacific Education Review, 6(1),20-27.Louis M. R. & Richard A. P. (2005). Designing and Conducting Survey Research: A ComprehensiveGuide. John Wiley & Sons.LUhrmann, M., Serra-Garcia, M. & Winter, J. (2015). Teaching Teenagers In Finance: Does It Work?Journal Of Banking And Finance, 54, 160-174.Luksander, A., Bres, D., Huzdik, K. & Nmeth, E. (2014). Analysis of the Factors that Influencethe Financial Literacy of Young People Studying in Higher Education. Public Finance Quarterly, (2),220-241.Lusardi, A., Mitchell, O. S. & Curto, V. (2010). Financial Literacy Among The Young. Journal OfConsumer Affairs, 44(2), 358-380.Lusardi, A. & Olivia, S. M. (2007). Financial Literacy and Retirement Preparedness: Evidence andImplications for Financial Education. Business Economics, 42(1), 35-44.Lusardi, A. & Olivia, S. M. (2008). Planning and Financial Literacy: How Do WomenFare? forthcoming American Economic Review, 98(2), 413-417.Lusardi, A. & Olivia, S. M. (2011). Financial Literacy and Planning: Implications forRetirement Security and the Financial Marketplace. Oxford: Oxford University Press, 17-49.Lyons, A. C. (2008). Risky Credit Card Behavior of College Students. In Handbook Of ConsumerFinance Research, ed. J. J. Xiao, 185-207 Springer.Majlis Amanah Rakyat (MARA). (2017). Diperolehi pada 21 Febuari 2017 daripadahttp://www.mara.gov.my.Malayan Banking Berhad. (2017). Diperolehi pada 21 Febuari 2017 daripadahttp://www.maybank2u.com.my.Malay Mail Online. (2016). Kesempitan Wang, Pelajar UKM Ikat Perut Hingga Usus Terkoyak. DiperolehiPada 22 November 2017 Daripada Http:// Www.Themalaymailonline.Com/Projekmmo/Berita/Article/Kesempitan-Wang- Pelajar-Ukm-Ikat-Peruthingga-Usus-Terkoyak.Mali, V. (2013). A Study on Locus of Control and Its Impact on Employees Performance.International Journal of Science and Research, 2(12), 149-151.Mandell, L. (2006). Financial Literacy: Improving Education Results Of The 2006 National JumpStartSurvey. Washington, DC: Jumpstart Coalition.Mandell, L. (2007). Financial Literacy of High School Students. J.J. Xiao (Ed.), Handbook of Consumer Finance Research (163-183). New York, NY: Springer.Mandell, L. (2008). The Financial Literacy Of Young American Adults: Results OfThe 2008 National Jump$Tart Coalition Survey Of High School Seniors And College Students.University Of Washington And The Aspen Institute.Mangan, Jean, Hughes, Amanda, Slack & Kim. (2010). Student Finance, Information And DecisionMaking. Higher Education. 60. 459-472.Mangleburg, T. F., Doney, P. M. & Bristol, T. (2004). Shopping With Friends And TeensSusceptibility To Peer In?uence. Journal Of Retailing, 80, 101-116.Maria, K. C. & Jessica, M. (2011). The Relationship Between Facebook and the Well- Being ofUndergraduate College Students. A Journal On Cyberpsychology,Behavior and Social Networking, 14(4), 183-189.Martinez, Edward, F., Bilges, Dolores, C., Shabazz, Sherrille, T., Miller, RhodaMorote & Elsa-Sofia. (2012). To Work Or Not To Work: Student Employment, Resiliency AndInstitutional Engagement Of Low-Income, First-Generation College Students. Journal Of StudentFinancial Aid, 42(1), Article 3.Masche, J. G. (2010). Explanation of Normative Declines in Parents' Knowledge about TheirAdolescent Children. Journal of Adolescence, 33(2), 271-284.Mastura Mahfar, Fadilah Zaini & Nor Akmar Nordin. (2007). Analisis Faktor Penyebab Stres DiKalangan Pelajar. Jurnal Kemanusiaan Bil.9. Fakulti Pengurusan dan Pembangunan Sumber Manusia,Universiti Teknologi Malaysia, 62-72.Mastura Mohamad & Zakariah Md Som. (2014). Sejauh Manakah Bebanan Hidup Belia?. InstitutPenyelidikan Pembangunan Belia (IYRES) Buletin Fakta, 1/2014, 1.Matt, M. F. (2015). What Factors Influence College Choice for Todays Students? Diperolehi pada 21Ogos 2017 daripada https://www.upandup.agency/digital-marketing/reasons-students-choose-university.Matthew, S., Amy, V., Kevin, S. & Jessica, R. (2013). Student Budgeting and Spending Behaviors: AComparative Study. A Journal of Behavioral Studies in Business, 1- 5.Md Hafizi Ahsan. (2013). Financial Literacy Research on Undergraduate Students in Malaysia: CurrentLiterature and Research Opportunities. International Journal of Education and Research 1(11),1-12.Meor Ahmad & Nasrin Rizal Ishak. (2018). Wajib Bayar Hutang. Berita Harian.Milioli, M. A., Poletti, L. E. & Ronchini, B. (2011). Leducazione Finanziaria Degli StudentiUniversitari: Misurazione E Analisi Delle Determinant. Universit di Parma EconomicsDepartment, WP EF01/2011.Misanya, S. M. (2013). Peer Influence On Academic Performance Of Form One Students In GirlsBoarding Secondary Schools In Kanduyi Constituency: Kenya.Theses and Dissertations.Misra, R. & Mckean, M. (2000). College Students Academic Stress And Its RelationTo Their Anxiety, Time Management And Leisure Satisfaction. American Journal OfHealth Studies, 16, 41-51.Mohamad Fazli Sabri. (2002). Sosialisasi dan Tingkahlaku Kewangan Remaja.Universiti Putra Malaysia.Mohamad Fazli Sabri, Jariah Masud, Mohd. Amim Othman, Laily Paim & Nurkhalila Nordin. (2007).Kajian Keteguhan Kewangan Di Kalangan Belia. Institut Penyelidikan Pembangunan Belia Malaysia(IPPBM).Mohamad Fazli Sabri & Maurice, M. D. (2010). Savings Behavior and Financial Problems Among CollegeStudents: The Role of Financial Literacy in Malaysia. Cross-Cultural Communication, 6(3), 103-110.Mohamad Fazli Sabri, Maurice, M. D., Tahira K. Hira & Jariah Masud. (2013).Childhood Consumer Experience and the Financial Literacy of College Student in Malaysia. Family &Consumer Sciences Research Journal, 38(4), 455-467.Mohd Mahzuz Ahmad. (2005). Kajian Pola Pengurusan Kewangan di Kalangan Pelajar yangMenerima Pinjaman Kewangan Perbadanan Tabung Tinggi Nasional (PTPTN) di Universiti Putra Malaysia(UPM).Mohd Najib Abdul Ghafar. (1999). Penyelidikan Pendidikan. Skudai: Penerbitan UniversitiTeknologi Malaysia.Mohd Najib Abdul Ghafar. (2003). Reka Bentuk Tinjauan Soal Selidik Pendidikan.Skudai: Universiti Teknologi Malaysia.Mohd Zainal Mat. (2004). Hubungan Di Antara Status Sosio Ekonomi (SSE) Keluarga Dengan PencapaianAkademik: Satu Kajian Ke Atas Pelajar Aliran Teknikal Di Sekolah Menengah Teknik Negeri Sembilan.Tesis Ijazah Sarjana. UTHM.Mohsen, T. & Reg, D. (2011). Making Sense of Cronbachs Alpha. International Journal of MedicalEducation, 2, 53-55.Moore, E. S. & Bowman, G. D. (2006). Of Friends and Family: How Do Peers Affect the Development of Intergenerational Influences? Advances in ConsumerResearch, 33, 536-542.Moschis & George, P. (1987). Consumer Socialization: A Life-Cycle Perspective.Lexington, MA: D.C. Heath and Company.Mossakowski, K. N. (2008). Dissecting The Influence Of Race, Ethnicity And Socioeconomic Status OnMental Health In Young Adulthood. Research On Aging, 30(6), 649-671.Mounsey, R., Vandehey, M. A. & Diekhoff, G. M. (2013). Working And Non-Working University Students:Anxiety, Depression And Grade Point Average. College Student Journal, 47, 379-389.Muhamad Amirul Afiq Mastor, Rosalinda Md. Said & Norazrin Marzuki. (2012).Telefon Pintar Kegilaan Masa Kini. Diperolehi pada 20 Mac 2017 daripada http:///ww1.utusan.com.my.Muhammad Izzat Mohamed & Tamat Sarmidi. (2014). Faktor Kemungkiran Membayar Balik Hutang Pengajian: Skop Kajian Perbadanan Tabung Pendidikan Tinggi Nasional. Persidangan Kebangsaan Ekonomi MalaysiaKe-9 (Perkem Ke-9), 17-19 Oktober 2014.Napowanetz, N. (2014). Undergraduate Major and Locus of Control. Theses and Dissertations.Netty Zahura, A. A. (2006). Amalan Pengurusan Wang Di Kalangan Pelajar Ijazah Sarjana MudaTeknologi Serta Pendidikan Kemahiran Hidup Fakulti Pendidikan Universiti Teknologi Malaysia.Universiti Teknologi Malaysia.Nguyen, T. N. M. & Tran, P. T. (2015). Factors Affecting Personal Financial Management Behaviors:Evidence From Vietnam. Proceedings Of The Second Asia-Pacific Conference On Global Business,Economics, Finance And Social Sciences (AP15Vietnam Conference).Nik Nurul Amni Nik Lee & Hussin Salamon. (2012). Kompetensi Pengurusan Kewangan Dalam KalanganPelajar: Kajian Terhadap Pelajar Sarjana Muda Sains Serta Pendidikan (Sains Sukan). UniversitiTeknologi Malaysia.Noor Alim, M. Y. (2005). Ringgit Dan Poket. Utusan Publications & Distributors Sdn. Bhd.Noor Zaihan Daud. (2016). Determinants Of Saving Behavior Among Generation YStudents In Universiti Utara Malaysia. Masters Thesis, Universiti Utara Malaysia.Nora, A., Barlow, L. & Crisp, G. (2006). An Assessment Of Hispanic Students InFour-Year Institutions Of Higher Education. In J. Castellanos, A. M. Gloria AndM. Kamimura (Eds.) The Latina/O Pathway To The Ph.D. (5578). Sterling VA: Stylus Publishing, LLC.Noraihan Mamat Zambi, Hasmida Mohamad Hassan & Syaiful Baharee Jaafar. (2013). Hubungan AntaraAmalan Pengurusan Kewangan Pelajar Dan Kursus PA305: Pengurusan Kewangan Peribadi-Satu Kajian KesDi Politeknik Tuanku Sultanah Bahiyah. Technical and Education Colloquium Politeknik TuankuSultanah Bahiyah: 25-31.Norain Mad Asri, Norlaila Abu Bakar, Iman Athira Laili & Suhaila Saad. (2017).Status Kewangan Dan Tekanan Dalam Kalangan Mahasiswa. Jurnal Pengguna Malaysia, 5, 63-83.Noraini Idris. (2010). Penyelidikan Dalam Pendidikan. Kuala Lumpur: McGraw- Hill (Malaysia) SdnBhd.Noraziah, A., Ranimah, Y. & Hasnah, A. (2008). Pola Bekerja Sambilan Kalangan Pelajar Sekolah Menengah Di Daerah Melaka Tengah Dan Implikasinya Terhadap Prestasi Pembelajaran DiSekolah, Jurnal e-Bangi, 3(1), 1-12.Norhamiza Mohd Noor. (2005). Sumbangan Aspek Jasmani, Emosi, Rohani DanIntelek Serta Kaitannya Dengan Kecemerlangan Akademik Di Kalangan Pelajar Kejuruteraan SekolahMenengah Teknik. Disertasi.Nuraini Abdullah & Mohamad Fazli Sabri. (2016). Faktor Peramal Pengurusan Hutang dalam KalanganPekerja Muda. International Journal of Education and Training (InjET), 2(2), 1-19.Nur Hayati, A. R., Fairus, M. D., Ahmad, Z. M. J., Melinda @ Siti Asmah, Y. &Roziah, M. J. (2008). Impak Ekonomi Perbelanjaan Pelajar Universiti Teknologi MARA Pulau PinangDi Kawasan Seberang Perai Tengah, Pulau Pinang. Proceeding Of National Seminar OnScience, Technology And Social Sciences, 313-319.Nur Hazwani Mohamad & Lokman Ali. (2008). Corak Pendapatan Dan Perbelanjaan Peribadi Di KalanganPelajar Kejuruteraan Di IPTA: Kajian Kes Di FakultiKejuruteraan Mekanikal UTM, Skudai, Johor.Nurul Alyaa Adillah Mokhtar, Mohammad Fazli Sabri, Ahmad Hariza Hashim,Husniyah Abd Rahim & Mohd Amim Othman. (2013). Literasi, Sosialisasi, Tingkah Laku Dan Kompetensi Kewangan Dalam Kalangan Kanak-Kanak. Jurnal Pengguna Malaysia, Jilid 21, 1-15.Nurul Fardini Zakaria & Husniyah Abd Rahman. (2010). Perbandingan Literasi Kewangan SiswaBerdasarkan Gender. Jurnal Pengguna Malaysia, 15, 50-64.Nurul Fitria Kumala Dewi, Titi Rachmi, Ikhfi Imaniah & Moh Iqbal Firdaus. (2015).Early Childhood Behavior Changing in Terms of Communication between Parents andTeachers. Journal of Education and Practice, 6(27), 112-120.Oanea, D. C. & Dornean, A. (2012). Defining and Measuring Financial Literacy, New Evidence fromRomanian. Scientific Annals of the Alexandru Ioan Cuza University of Ia?i EconomicSciences, 59(2), 113-129.O'Brien, C. & Shedd, J. (2001). Getting Through College: Voices Of Low-Income And Minority Students In New England. Washington, DC: Institute For Higher Education Policy.Ogedebe, P. M., Emmanuel, J. A. & Musa, Y. (2012). A survey on Facebook and Academic Performancein Nigeria Universities. International Journal of Engineering Research and Applications(IJERA), 2(4), 788-797.Ogonowski, A., Montandon, A., Botha, E. & Reyneke, M. (2014). Should NewOnline Stores Invest In Social Presence Elements? The Effect Of Social Presence On Initial TrustFormation. Journal Of Retailing And Consumer Services, 21(4), 482-491.Olaf, K., Jurgen, B. & Kai, S. (2010). Does Interest Matter? The RelationshipBetween Academic Interest And Achievement In Mathematics. Journal Of Research InMathematics Education, 32(5), 448-470.Organisation for Economic Co-Operation and Development (OECD). (2005).Recommendation on Principles and Good Practices for Financial Education and Awareness. Diperolehipada 3 April 2016 daripada http://www.oecd.org.OECD. (2012). Measuring Financial Literacy: Core Questionnaire in Measuring Financial Literacy: Questionnaire and Guidance Notes for Conducting an Internationally Comparable Surveyof Financial Literacy. Paris: OECD. OECDInternational Network on Financial Education (INFE).OECD. (2013). Financial Literacy and Inclusion: Results of OECD/INFE Survey AcrossCountries and by Gender. OECD Centre, Paris, France.Peng, T. C. M., Suzanne, B., Jonathan, J. F. & Garret, C. (2007). The Impact of Personal FinanceEducation Delivered in High School and College Courses. Journal of Family and EconomicIssues, 28, 265-284.Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN). (2009). Pelan Strategik PTPTN 2011-2015. Diperolehi pada 20 Ogos 2016 daripadahttp://www.ptptn.gov.my.Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN). (2010). Statistics Of Borrower. Diperolehipada 1 September 2016 daripada http://www.ptptn.gov.my.Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN). (2016). Jumlah Pembiayaan Pendidikan PTPTN.Diperolehi pada 1 September 2016 daripada http://www.ptptn.gov.my.Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN). (2016). Pelan Strategik PTPTN 2016-2020. Diperolehi pada 20 September 2016 daripadahttp://www.ptptn.gov.my.Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN). (2017). Diperolehi pada 1 Febuari 2017daripada http://www.ptptn.gov.my.Perna, L. W. (2008). Understanding High School Students Willingness To Borrow To Pay CollegePrices. Research In Higher Education, 49, 589-606.Perry, V. G. & Morris, M. D. (2005). Who Is In Control? The Role Of Self-Perception, Knowledge AndIncome In Explaining Consumer Financial Behavior. Journal Of Consumer Affairs, 39(2), 299-313.Persatuan Kebangsaan Pelajar Islam Malaysia (PKPIM). (2015). Mahasiswa Mengadu Yuran Naik Kerana GST. Diperolehi pada 18 Mac 2017 daripadahttp://www.sinarharian.com.my.Pinto, M. B., Parente, D. H. & Mansfield, P. M. (2005). Information Learned from SocializationAgents: Its Relationship to Credit Card Use. Family and Consumer Sciences Research Journal, 33(4),357-367.Pintrich, P. R. & Schunk, D. H. (2002). Motivation in Education: Theory, Research, andApplications. (2nd ed.). Upper Saddle River, NJ: Prentice Hall.Plush, J. (2013). Banking On Solutions: Webster Bank Invests In Financial Literacy.The Hispanic Outlook In Higher Education. Didapati daripadaHttp://Bryant.Idm.Oclc.Org/Login?Url=Http://Search.Proquest.Com/Docview/1352760479?Accountid=36823.Poerwadarminta, W. J. S. (2005). Kamus Umum Bahasa Indonesia. Edisi Ketiga. Jakarta: Balai Pustaka.Quinn, K. & Steiner, K. (2009). St. Norbert College paper usage: Who Cares About That? Unpublishedmanuscript.Rahimah Shahar. (2006). Pembangunan Laman Web Sebagai Media Pengajaran Di Politeknik Port Dickson: Topik Garis Imbas. Tesis Sarjana, Universiti Kebangsaan Malaysia.Rashidi, M. N., Ara Begum, R., Mokhtar, M. & Pereira, J. J. (2014). Pelaksanaan Analisis KandunganSebagai Metodologi Kajian bagi Mengenalpasti Kriteria Pembinaan Lestari. Journal of AdvancedResearch Design, 1(1), 18-27.Redhwan, A. A. N., Sami, A. R., Karim, A. J., Chan, R. & Zaleha, M. I. (2009). Stress And CopingStrategies Among Management And Science University Students: A Qualitative Study. InternationalMedical Journal, 8(2), 11-15.Research Center on Academic Success (CRISES). (2005). Diperolehi pada 18 September 2016 daripada International Observatory on Academic Achievement:http://www.crires-oirs.ulaval.ca/sgc/lang/en_CA/pid/5493.Robb, C. A. & Sharpe, D. L. (2009). Effect of Personal Financial Knowledge on College StudentsCredit Card Behavior. Journal of Financial Counseling and Planning, 20(1), 25-40.Rodrigues, C. S., Vieira, F. D., Amaral, A. & Martins, F. V. (2012). Financial Literacy ofUniversity Students. University Minho and University of Porto Working Paper.Rohaty, M. M. (2003). Pendidikan Prasekolah: (Cabaran Kualiti). Syarahan Perdana.Bangi: Penerbitan Malindo Sdn Bhd.Romagnoli, A. & Trifilidis, M. (2013). Does Financial Education At School Work?Evidence From Italy, Questioni Di Economia E Finanza (Occasional Papers) 155, Bank Of Italy,Economic Research And International Relations Area.Rotter, J. B. (1954). Social Learning and Clinical Psychology. NY: Prentice-Hall.Rotter, J. B. (1966). Generalized Expectancies for Internal Versus External Control ofReinforcement. Psychological Monographs: General and Applied, 80(1), 1-28.Royal Bank Of Scotland. (2017). Student Living Index 2017.Rubayah Yakob, Hawati Janor & Nur Ain Khamis. (2015). Tahap Literasi Kewangan dalam KalanganPelajar Universiti Awam: Kajian di Universiti Kebangsaan Malaysia. Jurnal Personalia Pelajar,18(1), 75-88.Rubayah Yakob, Hawati Janor & Nur Ain Khamis. (2015). Tahap Tingkah Laku Kewangan Dalam KalanganPelajar Universiti Awam: Kajian Di Universiti Kebangsaan Malaysia. Jurnal Personalia Pelajar, 18,97-116.Rushdina & Hasnah. (2014). Implikasi Media Sosial Terhadap Masyarakat. Suaranita: Buletin PersatuanWanita UKM, Malaysia.Rushidah Md Rosdi. (2014). Pencapaian Akademik Penerima Biasiswa Insentif Khas Pelajar Cemerlang diIPTA Malaysia: Kajian di Baitulmal Majlis Agama Islam Wilayah Persekutuan Kuala Lumpur. TesisMaster, Universiti Malaya.S. Mahdzan, N. S. & Tabiani. (2013). The Impact of Financial Literacy on Individual Saving: AnExploratory Study in the Malaysian Context. Transformations in Business and Economics, 12(1(28)), 41-55.S. Nasution, M. A. (2009). Sosiologi Pendidikan. Jakarta: Bumi Aksara.Sabitha Marican. (2006). Penyelidikan Sains Sosial Pendekatan Pragmatik. Selangor: Edusystem SdnBhd.Salikin, N., Abdul Wahab, N., Zakaria, N., Masruki, R. & Nordin, S. N. (2012). Students' SavingAttitude: Does Parents' Background Matter?. International Journal Of Trade, Economics AndFinance, 3(6), 479.Sallie, M. (2009). How Undergraduate Students Use Credit Cards. A Journal onNational Study of Usage Rates and Trends 2009, 1-19.Sang, K., Al?Dajani, H. & zbilgin, M. (2013). Frayed Careers of Migrant Female Professors inBritish Academia: An Intersectional Perspective. Gender, Work &ization; 20(2), 158-171.Sarah Athirah Saruchi, Aisyah Abdul-Rahman & Hairunnizam Wahid. (2015). PolaPerbelanjaan dan Haddul Kifayah Zakat bagi Pelajar Sarjana Muda di Universiti Kebangsaan Malaysia.Jurnal Personalia Pelajar 18(2), 45-62.Schug, Mark, C., Robert, L., Wynn & Tracy J. Posnanski. (2002). Improving Economic And FinancialEducation: A Program For Urban Schools, 239.Seock, Y. K. & Bailey, L. R. (2008). The Influence Of College Students Shopping Orientations AndGender Differences On Online Information Searches And Purchase Behaviors. InternationalJournal Of Consumer Studies, 32(2), 113-121.Shaari, N. A, Abu Hasan, N., Moona, R. K. & Ahmad Jafri, M. (2013). Financial Literacy: A Studyamong University Students. Interdisciplinary Journal of Contemporary Research in Business,5, 279-299.Shahrabani, S. (2013). Financial Literacy Among Israeli College Students. Journal of CollegeStudent Development, 54(4), 439-446.Shahryar, S. & Tan, S. T. (2013). Spending Behaviour Of A Case Of Asian University Students. AsianSocial Science, 10(2), 64-69.Sharon, M. D. & Heather, R. H. (2007). Teen Financial Knowledge, Self-Efficacy and Behavior: AGendered View. Journal of Financial Counseling and Planning, 18 (2), 1-13.Shashi Kumar, R., Prabhu Brig, P. S., Jyoti Prakash, P. Seema & Basannar. (2013).Interaction of Media, Sexual Activity and Academic Achievement in Adolescents.Med J Armed Forces India, 69(2), 138-143.Sheela Devi D. Sundarasen, Muhammad Sabbir Rahman, Noor Shahaliza Othman & Jennifer Danaraj.(2016). Wealth Optimization: A Conceptual Model of Financial Literacy, Financial Socialization,Parental Norms and Money Attitude. Advanced Science Letters, 22(12), 4312-4315.Shen, H. & Ziderman, A. (2009). Student Loans Repayment And Recovery: International Comparisons.Higher Education, 57(3), 315-333.Shim, S., Barber, B., Card, N. A., Xiao, J. J. & Serido, J. (2010). Financial Socialization ofFirst-year College Students: The Roles of Parents, Work and Education.Journal of Youth and Adolescence, 39(12), 1457-1470.Shinde, N. & Joshi, P. (2011). Whats Your Students Locus of Control? Diperolehi pada18 Mac 2017 http://www.teacherplus.org/classroom-management/what-is-your- students.Simons-Morton, B. G. & Farhat, T. (2010). Recent Findings on Peer Group Influences on AdolescentSmoking. The Journal of Primary Prevention, 31(4), 191-208.Siti Alida John Abdullah & Halimah@Nasibah Ahmad. (2007). Kewangan & Pelajar IPT. Kuala Lumpur:Utusan Publications & Distributors Sdn Bhd.Siti Nuur Haziratul, G. (2012). Faktor-Faktor Yang Mempengaruhi Stress Dalam Kalangan PelajarKursus Secara Sambilan Bidang Kejuruteraan Di Polikteknik Sultan Salahuddin Abdul Aziz Shah.Universiti Teknologi Malaysia.Sohana Abdul Hamid. (2016). Pengaruh Media Massa Terhadap Perubahan Sosial Masyarakat. Journal ofSocial Sciences and Humanities, Special Issue 1, 214-226.Sosooshian, S. & Tan, S. T. (2014). Spending Behavior Of A Case Of Asian University Students. AsianSocial Science, 10(2), 64-69.Sozou, G. (2016). Hunting For Financial Literacy. CUNY Academic Works.Https://Academicworks.Cuny.Edu/Hc_Sas_Etds/37.Sreejesh, S., Mohapatra, Sanjay & Anusree, M. R. (2014). Business Research Methods: An AppliedOrientation. Springer International Publishing Switzerland.Suhaila Nadzri, Rabiatul Adawiyah Seh Nilamuddin, Nuzul Akhtar Baharudin & Siti Syuhada Abd Rahman. (2016). Faktor yang Mendorong Mahasiswa IPT Membuat Kerja Sambilan.Proceeding of the 2?? International Conference on Economics & Banking 2016 (2nd ICEB).Syed Mohamed Shafeq Syed Mansor & Hairiza Binti Othman. (2011). Kategori MasalahPelajar Tahun Satu, Kolej Tun Razak, Universiti Teknologi Malaysia, Skudai, Johor. Journalof Educational Psychology and Counseling, 1, 44-58.Syuhaili Othman & Amaludin Ab. Rahman. (2012). Remaja Bijak Berbelanja.: Tips dan Panduan Pengurusan Kewangan dan Perbelanjaan. Utusan Publications & Distributors Sdn Bhd.T. Manichander. (2014). Locus of Control and Performance: Widening Applicabilities.Indian Journal of Research, 3(2), 84-66.Tagliavini, G. & Ronchini, B. (2011). Uno Studio Empirico Circa Il Livello DiEducazione Finanziaria, Italia. Banca Impresa Societ, 1, 49-74.Tamar Jaya, N. & Nor Syahidah, A. (2010). Persepsi Pelajar Sarjana Muda SainsSerta Pendidikan Pengajian Islam Terhadap Kerja Sambilan. Universiti TeknologiMalaysia.Tenaglia, L. (2010). Financial Literacy: The Impact Of Financial Training In High School On TheCredit Behavior Of College Students. Journal of Family and Economic Issues, 28, 265-284.Tengku Fatin Nabilah Tengku Abdul Rahman. (2011). Masalah Keluarga Dan Pengaruhnya TerhadapPencapaian Akademik Di Kalangan Pelajar: Kajian Tahun 4 Fakulti Pendidikan, UniversitiTeknologi Malaysia.Tennyson, S. & Nguyen, C. (2001). State Curriculum Mandates And Student Knowledge Of PersonalFinance. The Journal Of Consumer Affairs, 35(2), 241-262.Thi, N., Mien, N., & Thao, T. P. (2015). Factors Affecting Personal Financial Management Behaviors:Evidence From Vietnam. Proceedings Of The Second Asia-Pacific Conference On Global Business,Economics, Finance And Social Sciences (AP15Vietnam Conference.Tope, O. (2011). The Influence of Peer Group on Adolescents Academic Performance: A Case Study ofSome Selected Schools in Ogun State. Nigeria: Egobooster Books.Trker, M. V. & ?nel M. N. (2012). The Effect Of Locus Of Control Orientation On PerceivedIndividual Innovativeness: An Empirical Research In Turkey. Social And Behavioral Sciences,58, 879-888.Tyson, E. (2011). Personal Finance For Dummies. Mini edition. eBook: For Dummies.Universiti Malaysia Pahang (UMP). (2017). Yuran Pengajian Program Sarjana Muda (Kejuruteraan &Teknologi Kejuruteraan). Diperolehi pada 1 Febuari 2017 daripada http://www.ump.edu.my.Uquak, U. A., Elias, B., Uli, J. & Suandi, I. (2007). The Influence Of Casual ElementsOf Locus Of Control On Academic Achievement Satisfaction. Journal Of InstructionalPsychology, 34(2), 120-128.Utusan Malaysia. (2013). RM 4.69 Billion Pinjaman Ptptn Belum Dibayar Balik.Diperolehi pada 3 April 2017 daripada http:// www.utusan.com.my.Utusan Malaysia. (2014). Belia Muflis Akibat Belanja Luar Kemampuan. Diperolehi pada3 April 2017 daripada http:// www.utusan.com.my.Varcoe, Karen, Martin, Allen, Devitto, Zana, Go & Charles. (2005). Using A Financial EducationCurriculum For Teens. Journal Of Financial Counseling And Planning, 16(1), 1-9.Wan Abdul Halim Yaakob & Arenawati Hamzah. (2015). Bajet. Kementerian Perdagangan Dalam Negeri,Koperasi Dan Kepenggunaan.Wang, H., Kong, M., Shan, W. & Vong, S. K. (2010). The Effects Of Doing Part-Time Jobs On CollegeStudent Academic Performance And Social Life In A Chinese Society. Journal Of Education And Work,23(1), 79-94.Wan Mustaffa Wan Yusoff & Moriza Fikri. (2011). Kecekapan Pengurusan Kewangan Di Kalangan PelajarPoliteknik Tuanku Sultanah Bahiyah. Proceedings Commerce Department Research Colloquium 2011.Politeknik Tuanku Sultanah Bahiyah.Wan Norina Wan Hamat, Zaharah Hussin, Ahmad Fakruddin Mohamed Yusoff & Ahmad Arifin Sapar. (2013).Pengaruh Media Massa Terhadap Penampilan Akhlak Pelajar Islam Politeknik Malaysia. The OnlineJournal of Islamic Education, 1(1), 17-27.Wilder, S. (2014). Effects of Parental Involvement on Academic Achievement: A Metasynthesis.Educational Review, 66(3), 377-397.William, H. J. (2005). A Meta-Analysis of the Relation of Parental Involvement toUrban Elementary School Student Academic Achievement. Urban Education Journal, 40(3),237-269.Willis, L. (2009). Evidence And Ideology In Assessing The Effectiveness Of Financial LiteracyEducation. San Diego Law Review, 46(2), 1-25.Wisconsins Model Academic Standards for Personal Financial Literacy. (2006).Madison: Wisconsin Department of Public Instruction.Wong, B. A. (2013). Practices Of Savings Among Students. Doctoral Dissertation,Universiti Malaysia Sarawak.Wonu, N. & Anaekwe, E. (2014). School Effect On Students MathematicalAchievement In Obio/Akpor Local Government Area Of Rivers State.International Journal Of Educational Development, 4(1) 69-77.Worthy, S. L., Jonkman, J. & Blinn-Pike, L. (2010). Sensation Seeking, Risk-Taking, and ProblematicFinancial Behaviours of College Students. Journal of Family and Economic Issues, 31(2),161-70.Xu, L. & Zia, B. (2012). Financial Literacy Around The World: An Overview Of The Evidence WithSuggestions For The Way Forward, World Bank Policy Research Working Paper, No. 6107.Yao, R., Gutter, M. S. & Hanna, S. D. (2005). The Financial Risk Tolerance Of Blacks, Hispanics AndWhites. Journal Of Financial Counseling And Planning, 16(1), 51-62.Yazdanpannah, M., Shragard, R. & Rahimi, A. (2010). Interplay of Locus of Control and Academic Achievement among Iranian English Foreign Language Learners. Cypriot Journal of EducationalSciences, 5, 181-202.Zakaria, R. H., Jaafar, N. I. M. & Marican, S. (2012). Financial Behavior and Financial Position:A Structural Equation Modeling Approach. Middle-East Journal of Scientific Research, 12(10),1396-1402.Zhang, L. & Sternberg, R. J. (2000). Are Learning Approaches and Thinking StylesRelated? A Study in Two Chinese Populations. The Journal of Psychology, 134(5), 469-489.Zikmund, W. G., Babin, B. J., Carr, J. C. & Griffin, M. (2010). Business Research Methods. (8thed). Mason, HO: Cengage Learning.Zukina. Y. (2003). Hubungan Antara Latar Belakang Keluarga Dengan Pencapaian Akademik Pelajar Melayu Dalam PMR. Tesis Sarjana Sains (PengurusanPendidikan) Universiti Utara Malaysia.