Shakil, Nurul Syifaa Mohd
(2020)
Savings Of Low Income Households In
Northern States Of Malaysia.
PhD thesis, Perpustakaan Hamzah Sendut.
Abstract
Savings is measured as income less expenditure. Households save when there
is an excess income to expenditure, and dissave when income decreases or expenditure
increases due to unexpected events. This volatile atmosphere leads us to question as
to how low-income households save. Studies show that low-income households do
save using informal savings mechanisms. The first objective of this study is to assess
the amount of household savings with different savings measurements in Malaysia.
The second objective is to analyse the determinants of household savings in Malaysia.
The third objective is to assess the savings mechanism used by the low income
households in the Northern States of Malaysia. The last objective of this study is to
assess the impact of risks and other factors towards the savings of low income
households in the northern states of Malaysia. In Malaysia, there have been studies
on savings behaviour. The recent study used the Households Expenditure Survey
(HES) data for the year 2004. To extend the studies of households savings in Malaysia,
a new study were done to explore the savings behaviour of households in the Northern
States of Malaysia using the HES data for the year 2014, and Research University
Team (RUT) survey data for the year 2016. HES data is used to study the savings
behaviour of different household groups while the RUT survey data focuses on lowincome
households. Both data focus on the Northern States of Malaysia. The study
found that the factors affecting the savings behaviour of households in the Northern
States of Malaysia are age, gender, educational attainment, employment status, strata
and household size. For the case study on low-income households, the study found
that low-income households do save
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