Peranan Sikap, Pengetahuan Dan Amalan Kewangan Terhadap Pemerkasaan Ekonomi Ibu Tunggal

• Main Author: Mohd Yusoff, Siti Ruhani
• Format: Thesis
• Language: English
• Published: 2016
• Subjects: LC5800-5808 Distance education.
• Online Access: http://eprints.usm.my/32276/1/SITI_RUHANI_MOHD_YUSOFF_24%28NN%29.pdf; http://eprints.usm.my/32276/

Kajian ini meneroka kesan sikap, pengetahuan dan amalan kewangan ibu tunggal terhadap pemerkasaan ekonomi. Satu model pemerkasaan ekonomi ibu tunggal terhasil gabungan teori KAP dan dimensi pemerkasaan wanita (kebebasan peribadi, keputusan ekonomi keluarga dan pembuatan keputusan isirumah). Dalam kajian ini, borang kaji selidik diedarkan kepada ibu tunggal di Pulau Pinang dan sebanyak 116 jawapan kaji selidik dikumpulkan. Kajian mendapati bahawa pengetahuan kewangan mempunyai kesan yang signifikan terhadap amalan kewangan yang mempunyai kesan yang besar ke atas keputusan ekonomi keluarga, yang seterusnya memberi kesan kepada pembuatan keputusan isirumah dan kebebasan peribadi. Dalam kajian ini, umur dan pendapatan diuji sebagai faktor moderator. Kajian mendapati pendapatan mempunyai kesan lansung dengan keputusan ekonomi keluarga. Hasil kajian menunjukkan kepentingan pengetahuan kewangan, amalan kewangan dan pendapatan dalam menentukan keputusan ekonomi keluarga. Kajian ini juga menyimpulkan bahawa keputusan ekonomi keluarga mempunyai kesan yang besar ke atas pembuatan keputusan isirumah berbanding kebebasan peribadi. Beberapa implikasi praktikal untuk memperkasakan ekonomi ibu tunggal turut dibincangkan. This study explores the effects of financial attitudes, knowledge and practices of single mothers toward economic empowerment. A model for single mother‟s economic empowerment is constructed by combining the KAP theory with the dimensional of women empowerment (personal freedom, family economic decision and household decision making). In this study, questionnaires are distributed to single mothers in the state of Penang and 116 are collected. The study found that financial knowledge has significantly affected financial practices that have significant impact on economic decision making, which in turn affected household decision making and personal freedom. In this study, age and income were treated as moderating factors. The study found significant direct effect of income on single mothers‟ economic decision making. The findings suggest that importance of financial knowledge, financial practices and income in predicting economic decision making. The study also concludes that economic decision making has greater impact on household decision making than personal freedom. Some practical implications for economic empowerment of single mothers were discussed.