Faktor-Faktor yang Mempengaruhi Kesedaran Menangani Masalah Keberhutangan Serius di Kalangan Penjawat Awam di Kuala Lumpur

• Main Author: Ali, Khairudin
• Format: Thesis
• Language: English; English
• Published: 2011
• Subjects: HG Finance
• Online Access: https://etd.uum.edu.my/3067/1/KHAIRUDIN_BIN_ALI.pdf; https://etd.uum.edu.my/3067/2/1.KHAIRUDIN_BIN_ALI.pdf; https://etd.uum.edu.my/3067/

The success of an organization or department was influenced by performance of staffs. The assessment of staffs will be based on the main task of the organizations. There are negative consequences and affect the performance of civil servants as a result of over-indebtedness problems. Now a days, the over-indebtedness among civil servants were affected the performance of civil servants, thus it will be affect the disciplinary action. With that, this study entitled "Factors affecting the Awareness of Dealing with Over-Indebtedness among Civil Servants in Kuala Lumpur" was very useful to avoid this problem. The main purpose of this study is to determine the factor of knowledge, attitudes, law enforcement and campaigns influenced the awareness of over-indebtedness among civil servants. Next, this study is also to determine demographic factors that influence the level awareness of overindebtedness among civil servants. The methodology of this research was quantitative method and all data was gathered used questionnaire. The sample size of this research was 300 respondents were collected from selected by department of government sector in Kuala Lumpur. Cronbach's Alpha and factor analysis test was carried out to test the reliability and validity of research of each construct in questionnaire. There are two type of research which is descriptive and inferential statistic was used in this research. Descriptive statistics was applied to elaborate demographic profile and important item in each variable. Before proceed to inferential statistics, the screening data must be implement. The test of normality and multicolinearity was proceeded to fulfil the normality and linearity assumptions. T-test and Anova test was used to find out what are the demographic aspects that impact to decision the level of awareness overindebtness among civil servants. Correlation Pearson was used to know the relationship of knowledge, attitude, implementation of legal and campaigns towards the level of awareness over-indebtness among civil servants. Multiple linear regression analysis was used to examine the relationship between influenced factors towards the level of awareness over-indebtness. Overall findings from this study suggest there were significant influenced between gender, race,level of education, income and expenses towards the level of awareness of over-indebtness. Beside that, the main objective was achieved, there are three factors, knowledge,attitude, implementation of legal influenced. level of awareness of over-indebtness. Campaign was not significantlyinfluenced level of awareness of over-indebtness.