Nowadays, most of the university students are already accumulating substantial debts from higher education fee loans, personal bank loans or overused of credit cards. The saving behaviour among students is significantly important as they are easily exposed to be blacklisted borrowers. Therefore, this study examines the factors that influence students’ saving behaviour among private universities in Selangor. Six variables are included namely; education level, programme, gender, race, family background and financial literacy. The result indicates that saving behaviour is influenced by education programme, family background and financial literacy. On the ground of determination of core problems, educators and regulators are able to develop appropriate programs and design relevant financial courses to help students in managing personal money and avoid the debt tracks. Furthermore, retail banks can therefore develop more appropriate marketing strategies to tap and penetrate young savers in Malaysia
Selangor is leading the other thirteen states in Malaysia in the economy, making it one of the most preferred places to stay for its economic flourish, employment prospect, great infrastructure, and excellent facilities. Selangor is ranked the highest by contributing 23% of its National Gross National Product to Malaysia. Nevertheless, for social indicators, Selangor ranked fourth in the country. Social development was not at par with the fast-growing economy and the extensive physical developments that take place. Thus, the objective of this paper is to identify the critical dimensions of Selangorians’ well-being. We adapted a questionnaire from a Gallup survey and distributed it about 1500 questionnaires to people in Selangor using random and non-proportionate stratified sampling in twelve (12) municipalities of the state. We employed SPSS 22.0 for descriptive results and Smart PLS 3.0 for the structural equation modeling. The finding revealed that the economic dimension (t-values =5.141), environment dimension (t-values =6.668), health dimension (t-value=5.092), and spiritual dimension (t-values= 4.969) were significant to well-being except for emotion dimension (t-values =0.283). This finding provides insights to practitioners, local authorities, and policymakers of the state government in enhancing Selangorians’ quality of life and well-being. JEL Classification Codes: I31, I38.
Coronary heart disease (CHD) is one of the many non-communicable diseases (NCD). The World Health Organization (WHO) had reported that CHD has caused the death of 17.9 million people, representing 31% of global deaths. From this number, 85% are due to heart attacks and stroke. In Malaysia, CHD remained as the principal cause of death in 2018 with 18,627 deaths contributing to 15.6 percent of total deaths in Malaysia. Among the factors that could lead to CHD is hypertension. Chronic stress such as financial distress could lead to hypertension. Recently, the cost of living in Malaysia has increased significantly. This study intended to examine the impact of housing cost, transportation cost, self-education cost and salary towards CHD. The data was gathered by a survey questionnaire with 300 CHD respondents in Selangor. Multiple regression analysis was used for data analysis. The findings indicated that self-education costs and salary have significant a relationship with CHD. This research is expected to benefit policymakers in understanding the cost of living in Malaysia and to the public health department in their future policy and decision making processes on CHD prevention initiatives. Lastly, this study is expected to enrich the literature on CHD and cost of living.
The paper aims to examine the conceptual model on the impact of sociodemographic towards coronary heart disease. There is still limited study on the association between cost of living particularly the cost of food and housing and its impact on coronary heart disease. Therefore, this study incorporates five essential sociodemographic attributes namely, cost of food, children education cost, housing cost, smoking habit and gender. The study provides greater understanding on how the cost of living and lifestyle may give impact to coronary heart disease. It may provide the awareness among the regulators as the society faces burden of high cost of living. The burden may threaten the Malaysians quality of life particularly the lower income group.
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