Penentuan Tingkah Laku Pengguna dalam Mempengaruhi Perbelanjaan Penggunaan Mampan dalam Kalangan Isi Rumah Melayu

Shakur, Elia Syarafina Abdul; Sa'at, Nor Hayati; Rashid, Noorhaslinda Kulub Abd.

doi:10.21315/km2021.39.1.8

Cited by 2 publications

(2 citation statements)

References 0 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…Several works related to household income and expenditure, nancial literacy, and spending behavior, speci cally in Malaysia, have employed statistical and mathematical modeling methods. Previous studies employed multiple regression methods to identify factors in uencing household spending on sustainable consumption [3], OLS and Tobit estimation methods to determine the effects of these factors on B40 household consumption pattern [4], Exploratory Factor Analysis (EFA) and Partial Least Squares-Structural Equation Modelling (PLS-SEM) to analyze factors affecting nancial stress among the Bottom 40 Percent (B40) group of Malaysian households [5] and investigate the relationship between nancial literacy, nancial behavior, nancial stress, and nancial well-being of B40 group in Malaysia [6]. Their ndings suggested that the government as policymakers and stakeholders focus on factors that could sustain B40 households' consumption level, be aware that the in uence of socioeconomic and demographic factors that play a signi cant role in B40 household consumption; identify the vulnerable groups of households in order to gauge their diminishing ability to sustain spending; and invent more effective and substantial stimulus packages or other measures to reduce the nancial burden on B40 households Machine Learning (ML) on socio-economic data that used Malaysia household income and expenditure data with various results can be seen in [7][8][9][10].…”

Section: Introductionmentioning

confidence: 99%

Title Mining Association Rules to Determine the Over-spending Behavior Among Low Income Households in Malaysia

Azmi,

Bakar,

Othman

et al. 2024

Preprint

View full text Add to dashboard Cite

Overspending behavior in a household can significantly affect the financial burden, debt accumulation, stress, and economic problems. Spending behavior is one of the financial literacy indicators that empowers individuals to make informed financial decisions, budget effectively, and plan for the future. This study proposes an association rules mining approach to investigate the spending behavior among households with income below 40% (B40) in Malaysia. For this purpose, we employ the Apriori algorithm on 2016 and 2019 Malaysia households' income and expenditure survey data obtained from the Department of Statistics Malaysia to discover over-spending items that occurred in household expenditure. The results showed that up to three associated overspending items were discovered based on several support and confidence settings. There are significant changes in spending behavior in the 2016 and 2019 data. Besides food as the main overspending item in 2016 data, other items such as miscellaneous items, restaurants and hotels, and services were overspent in 2019 data. Moreover, three associated items were found only in the 2019 data. This finding benefits the government in improving financial literacy or implementing effective initiatives to improve the nation's living standards.

show abstract

Section: Introductionmentioning

confidence: 99%

Title Mining Association Rules to Determine the Over-spending Behavior Among Low Income Households in Malaysia

Azmi,

Bakar,

Othman

et al. 2024

Preprint

View full text Add to dashboard Cite

show abstract

“…According to the Department of Statistics Malaysia (DOSM), a middleclass household earns between half to double the national median monthly payment, specifically ranging from RM4,851 to RM10,970 per month (DOSM, 2020a). The current consumption level and lifestyle patterns in Malaysia have changed following economic transformation stemming from modernization, urbanization, globalization, trade liberalization, and economic growth (Abdul Shakur et al, 2021). Interestingly, Nor Asmat (2021) revealed that the lifestyle held by B40 households is like M40.…”

Section: Introductionmentioning

confidence: 99%

Consumption Patterns in Malaysia: Reassessing the Impact of COVID-19 Moratorium on M40 Households

Shahimi,

Md Zabri,

Musafar Hameed

et al. 2023

MAJCAFE

View full text Add to dashboard Cite

Although middle-income (M40) households are among the most significant contributors to Malaysian tax revenue, the group is non-eligible for most targeted assistance during the COVID-19. The study explores of the moratorium option chosen by the M40 households, examining whether it was utilized for savings or spending and the resulting changes in their expenditure. Specifically, the study aims to identify the purpose of opting for a moratorium among M40 households in the Klang Valley and determine the level of change in their spending. A stratified random sampling technique was used to administer an online survey comprising 384 respondents. The majority of M40 households used the loan moratorium payment for spending. The M40 significantly changed their spending pattern by increasing expenses on healthcare, food, housing, information and communication, and personal care. Summarily, the moratorium eased the financial burden of M40 households during the pandemic.

show abstract

Penentuan Tingkah Laku Pengguna dalam Mempengaruhi Perbelanjaan Penggunaan Mampan dalam Kalangan Isi Rumah Melayu

Cited by 2 publications

References 0 publications

Title Mining Association Rules to Determine the Over-spending Behavior Among Low Income Households in Malaysia

Title Mining Association Rules to Determine the Over-spending Behavior Among Low Income Households in Malaysia

Consumption Patterns in Malaysia: Reassessing the Impact of COVID-19 Moratorium on M40 Households

Contact Info

Product

Resources

About