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Psychosocial and Behavioral Factors as Predicting Variables with Intention to Save Money for Education: A Case Study of PTPTN

The financial management of individuals varies around the world, with rapid economic growth there is an alarming increase in the value of products and services that challenge people who have poor financial management.However, this requires individuals to manage their financial resources through ap...

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Main Authors: Mohamed Said, Ismail, Mohamed, Ahmad Martadha
Format: Article
Language:English
Published: College of Law, Government and International Studies, Universiti Utara Malaysia 2016
Subjects:
K Law (General)
Online Access:http://repo.uum.edu.my/23980/1/JGD%2012%202%202016%2079%2094.pdf
http://repo.uum.edu.my/23980/
http://jgd.uum.edu.my/index.php/current-issue
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spelling my.uum.repo.239802018-04-29T01:39:36Z http://repo.uum.edu.my/23980/ Psychosocial and Behavioral Factors as Predicting Variables with Intention to Save Money for Education: A Case Study of PTPTN Mohamed Said, Ismail Mohamed, Ahmad Martadha K Law (General) The financial management of individuals varies around the world, with rapid economic growth there is an alarming increase in the value of products and services that challenge people who have poor financial management.However, this requires individuals to manage their financial resources through appropriate saving behaviour.This paper investigates psychosocial and behavioural factors influencing consumers’ intention to save money for educational purposes.A web based survey was used to collect data from 174 individuals in Malaysia. An extended theory of planned behaviour was used to model intention to engage in savings behaviour.Research hypotheses were constructed regarding the influence of attitudes, subjective norm and, perceived behavioural control to information exposure and current engagement in saving behaviour. Engagement in saving behaviour and active information on funds conservation predicted intention to save.However, there exposure to information was not implicated and subjective norms and perceptions of control predicted intention to save but attitudes towards saving did not. College of Law, Government and International Studies, Universiti Utara Malaysia 2016 Article PeerReviewed application/pdf en http://repo.uum.edu.my/23980/1/JGD%2012%202%202016%2079%2094.pdf Mohamed Said, Ismail and Mohamed, Ahmad Martadha (2016) Psychosocial and Behavioral Factors as Predicting Variables with Intention to Save Money for Education: A Case Study of PTPTN. Journal of Governance and Development, 12 (2). pp. 79-94. ISSN 2289-4756 http://jgd.uum.edu.my/index.php/current-issue
institution Universiti Utara Malaysia
building UUM Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Utara Malaysia
content_source UUM Institutionali Repository
url_provider http://repo.uum.edu.my/
language English
topic K Law (General)
spellingShingle K Law (General)
Mohamed Said, Ismail
Mohamed, Ahmad Martadha
Psychosocial and Behavioral Factors as Predicting Variables with Intention to Save Money for Education: A Case Study of PTPTN
description The financial management of individuals varies around the world, with rapid economic growth there is an alarming increase in the value of products and services that challenge people who have poor financial management.However, this requires individuals to manage their financial resources through appropriate saving behaviour.This paper investigates psychosocial and behavioural factors influencing consumers’ intention to save money for educational purposes.A web based survey was used to collect data from 174 individuals in Malaysia. An extended theory of planned behaviour was used to model intention to engage in savings behaviour.Research hypotheses were constructed regarding the influence of attitudes, subjective norm and, perceived behavioural control to information exposure and current engagement in saving behaviour. Engagement in saving behaviour and active information on funds conservation predicted intention to save.However, there exposure to information was not implicated and subjective norms and perceptions of control predicted intention to save but attitudes towards saving did not.
format Article
author Mohamed Said, Ismail
Mohamed, Ahmad Martadha
author_facet Mohamed Said, Ismail
Mohamed, Ahmad Martadha
author_sort Mohamed Said, Ismail
title Psychosocial and Behavioral Factors as Predicting Variables with Intention to Save Money for Education: A Case Study of PTPTN
title_short Psychosocial and Behavioral Factors as Predicting Variables with Intention to Save Money for Education: A Case Study of PTPTN
title_full Psychosocial and Behavioral Factors as Predicting Variables with Intention to Save Money for Education: A Case Study of PTPTN
title_fullStr Psychosocial and Behavioral Factors as Predicting Variables with Intention to Save Money for Education: A Case Study of PTPTN
title_full_unstemmed Psychosocial and Behavioral Factors as Predicting Variables with Intention to Save Money for Education: A Case Study of PTPTN
title_sort psychosocial and behavioral factors as predicting variables with intention to save money for education: a case study of ptptn
publisher College of Law, Government and International Studies, Universiti Utara Malaysia
publishDate 2016
url http://repo.uum.edu.my/23980/1/JGD%2012%202%202016%2079%2094.pdf
http://repo.uum.edu.my/23980/
http://jgd.uum.edu.my/index.php/current-issue
_version_ 1644283930954694656
score 13.211869

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