Pengaruh Hubungan Sosial terhadap Gelagat Pembelian Barangan Bukan Asas dan Niat Berhutang dalam Kalangan Isi Rumah B40

Dicky Wiwittan Toto Ngadiman, Salmy Edawaty Yacoob, Hairunnizam Wahid

Research output: Contribution to journalArticle

Abstract

The culture of debt has been considered synonymous with low-income households (B40). The purpose of their debt is to buy goods that meet their needs. An overview of literary studies on low-income groups in suburban settlements found debt culture has haunted their lives. Group B40 is expected to loan for their basic needs and to fund their daily basic costs. However, due to time and environment circulation, there may be other needs that they want to fulfill. Therefore, this research is to study the effect of social relationships with the intention of increasing the loan and the purchase of nonbasic goods (tahsiniyyat goods) through loans carried out among B40 households in Felda Sabah, Malaysia. The sample of this study consists of 378 representatives of B40 households. The findings show that there is a significant relationship between social relations with the intention of increasing the lending and buying of non-basic items through loans. This study can explain that social relationships have a significant influence on the financial management and spending of a person. Hence, the efforts to educate on financial management, especially debts need to be extended to the B40 group as well as the need for their involvement in spiritual programs so that they have the strength in dealing with social groups that always influence people in many respects.

Original languageEnglish
JournalJurnal Ekonomi Malaysia
Volume53
Issue number1
DOIs
Publication statusPublished - 1 Jan 2019

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Debt
Loans
Household
Financial management
Low income
Social relationships
Purchase
Social relations
Malaysia
Social groups
Lending
Costs

Keywords

  • B40 household
  • Debt intentions
  • Felda
  • Purchasing behavior
  • Social relationships

ASJC Scopus subject areas

  • Economics, Econometrics and Finance(all)

Cite this

Pengaruh Hubungan Sosial terhadap Gelagat Pembelian Barangan Bukan Asas dan Niat Berhutang dalam Kalangan Isi Rumah B40. / Ngadiman, Dicky Wiwittan Toto; Yacoob, Salmy Edawaty; Wahid, Hairunnizam.

In: Jurnal Ekonomi Malaysia, Vol. 53, No. 1, 01.01.2019.

Research output: Contribution to journalArticle

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