Today, the advancement of internet has provided an opportunity for banking institution in introducing new financial innovations. One of the emerging financial innovations introduced by banking institution is online banking. This study adopts a technology acceptance model (TAM) to investigate factors that determine an individual's intention to use online banking by bank customers among higher learning students in Malaysia. The additional of TAM includes usefulness, ease of use, credibility, self-efficacy, compatibility and intention to use. By using simple random sampling, one hundred and seventy college students from university campuses in Tuanku Syed Sirajuddin Polytechnic will took part in the survey. Data was collected via questionnaires; the constructs Perceived usefulness and computer self-efficacy with three items were adapted from Wang et al. (2003). Perceived ease of use with four items was adapted from Nysveen et al. (2005). Perceived credibility with two items were adapted from Pikkarainen et al. (2004). Behavioral intention with two items was adapted from Venkatesh (2000). The data were analyzed using Structural equation modeling (SEM) using AMOS 18. Understanding what influences users to accept internet banking can be beneficial to banks, system developers and marketing practitioners in developing and marketing internet banking services that will be acceptable by the target market. The research finding shows that there is significant relationship between self efficiency towards intention to use of internet banking.

Flood disaster has incurred remarkable costs to human, social and economic aspects, affecting not only the local but national and world economy as well. Flood is the most significant natural hazard in Malaysia, particularly in terms of its frequency and duration, size of the affected areas and economic damages. This paper examines the impacts of flood disaster on gross domestic product (GDP) growth in the agricultural and manufacturing sectors in Malaysia for the period of 1960 to 2013 by applying the Autoregressive Distributed Lag (ARDL) bounds testing approach for cointegration and error correction model (ECM) for short-term relationship. Augmented Dickey-Fuller (ADF) test, Phillips-Perron (PP) test and Kwiatkowski-Phillips-Schmidt-Shin (KPSS) unit root test examines the stationarity of the series. Results show that the series are cointegrated. The findings suggest that size of affected areas affects agricultural growth in both the long run and short run. Meanwhile, total damage cost also appears to affect manufacturing growth in both the long run and short run. The results of the study have important implications on the country's agricultural and manufacturing sectors.

his paper seeks to examine the impact of flood disaster on GDP growth in

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The purpose of this study is to look at the relationship between the choice of entrepreneurship as a career and communication apprehension. This study poses a question: Will a graduate who could not become employed due to his/her lack of communication skills choose to become an entrepreneur? Researchers agree that one of the main skill to become an entrepreneur is communication skills. A survey is conducted among 2300 graduates from Universiti Utara Malaysia (UUM). The choice to become an entrepreneur refers to graduates who are self-employed. In addition to being selfemployed (entrepreneur), there are other employment states such as unemployed, employed fulltime and not full-time employed. In this context, the choice set could be expanded to more than two categories: self-employed (entrepreneur), unemployed, employed full-time, and not full-time employed. The findings will help to identify the existence in relationship between the choice of entrepreneurship as a career and communication apprehension.

Entrepreneurship has been recognized as a catalyst for the economic growth of a nation and is becoming an important field in Malaysia. Graduates' involvement in entrepreneurial activities is encouraged and the Malaysian government has invested millions of Ringgit in support of this agenda to increase the intention of students to be entrepreneur. However, the statistics showed that, as of 2013, only 1.7 percent of graduates were self-employed, compared to the 5 percent aspired by the government. It is therefore imperative to study the relationship between the intention and actual choice to be graduate entrepreneur. Data analysis using logistics model were carried out with a sample of 2,300 graduates (including those pursuing entrepreneur degrees). Results indicate a significant positive relationship between the graduates' intention to become entrepreneurs and their actual choice of being entrepreneurs. However, some of the intentions are not translated into actual choice. In choosing to become an entrepreneur, having the intention alone may not be enough but it is an important prerequisite. The graduate's actual choice to be entrepreneur is triggered by intention. Although there is a probability for intention to not being translated into actual choice, entrepreneurial intention is required to ensure the actual choice of becoming an entrepreneur. In other words, in choosing to become an entrepreneur, having the intention alone may not be enough but it is definitely an important prerequisite.

Global economic challenges have forced the majority of youth to become self-employent. As such, being an entrepreneur is one of its branches. However, to start entrepreneurship, these young entrepreneurs need to be assisted in some areas especially financial. Regarding to this matter, the significance of this study is to examine the development of Malaysia’s economic growth through the youth entrepreneurship support system (Financial Assistance) for the period of 2010 until 2019. In addition, this study also will look at both the long run and short run effect of Financial Assistance on economic growth. This study will employ the Autoregressive Distributed Lag (ARDL) bound testing approach for Cointegration and the Error Correction Model (ECM) for short-term relationship. All the variables will be test for the stationarity of the series at all level. Through this research, hopefully an effective model of Financial Assistance in Malaysia can be proposed in order to enhance the development of economic growth through youth entrepreneurship.

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