SPENDING AMOUNT AMONG STUDENTS IN UITM TAPAH

PREPARE BY:

NO GROUP MEMBERS MATRIC ID

1. KHAIRUL NIZAM BIN ZULJASRI 2015270632 

2. MUHAMAD IDHAM ARIFF BIN ROSLAN 2015828784

3. KHAIRUL AZHAR BIN MOHD AYOB 2015888398

4. AZRI BIN AMINUDIN 2015892192

INTRODUCTION
 PROBLEM STATEMENT

• .communicate
Financial literacy defined as the ability to read, interpret and analyze, manage the money,
about the personal financial condition that affect material well-being, compute,
develop independent world (Vitt ct al,. 2000).

• The more knowledge students have about their financial responsibility and status less likely
they are to be in the debt (Norvilatis, ct al.,2000).

• Our problem area in Malaysia university student’s financial literacy level and factors towards
spending habits will determine the student’s level of awareness in financial knowledge and
factors that influence student to spent their money.
 RESEARCH OBJECTIVES
1) To determine the relationship between type of funding sources among the university student toward
spending amount.

2) To investigate the relationship between the spending amount toward gender among university
student.

3) To determine the relationship between the student attitude an influence toward their spending
amount.

RESEARCH QUESTIONS
1) Does the amount of funding resources give an effect to their spending amount?

2) Does the female student spend more than male student?

3) Does student’s attitude give an influence toward their spending amount?

 H0: There is no significant between factor
(attitude & source funding) and their
spending amount.
H₁ : There is a significance relationship
between factor ( attitude & source funding )
and their spending amount.

RESEARCH
HYPOTHESI
S
H0: There is no significant
H0: There is no significant relationship relationship between financial and
between female and male student on spending amount
their spending amount.
H1 : There is a significance
H1 : There is a significance relationship
between female student and male relationship between financial
student on their spending amount. literacy and spending amount.
LITERATURE REVIEW
 Student Attitude based on Spending Amount

• Attitudes play a vital role in determining a person’s spending habit in financial issue. (Joo and Grable,
2010; Porter and Garman, 2013; Roberts and Jones, 2011; Shim et al., 2015).
• Attitude derived from an individual’s beliefs and values are the main determinant of intention to act a
certain habit.
• Attitudes influence the development of financial well-being (Roberts and Jones, 2011), and contribute
to predict financial test (Dowling et al., 2014; Shim et al., 2015).
• The differences in male and female attitude may result in differences in spending amount. (Lim et
al.,2013)
 Linking Gender and Financial Literacy based on the Spending Amount
• Student’s gender and their literacy have difference and it was proved by few researches. (Chen &
Volpe, 2014), (Peng et al. ,2013) and (Volpe et al.,2011).
• They carried out the research before, found that male scored are better in financial literacy than
female.
• However, (Ibrahim et al,2009) found the different finding and his found that there is no difference
between the level of financial knowledge between males and female’s students.
• Additional research is needed to examine the extent to which marital status, family income, amount
money received of each semester, student attitude and financial literacy affect students’ spending
amount to draw the conclusion of this research.
 Financial Literacy based on Spending Amount
• Financial literacy is important for student to have the idea of controlling spending habit/ amount and
become a significant variable in financial prudence (Leila Falahati, 2012).
• . (Peng et al.,2007) found that student with higher levels of financial literacy made good spending
decision in hypothetical circumstances.
• There will be less default rate on their student loan debt (Laily Hj. Paim,, 2012), if students have the
idea of managing their money.
• Previous research, there is considerable to prove that many university students not enough sufficient
knowledge to manage their personal finances effectively (Mohamad FazliSabri ; Christine ;
Gudmunson, 2012).
METHODOLOGY
 TARGETED POPULATION
- The study just focused particularly to the students
. in UiTM Perak Campus Tapah.

- The population size is 5000 students in UiTM Tapah.

- We select only 357 students as our respondents.

- This study is using Sample size table with 95% of confidence level (margin of error of 0.05)
 SAMPLING DESIGN

• Used Convenience Sampling technique to draw the sample.

• We take questionnaires were considered for the data analysis because of the
50 respondent incompletion of questionnaires.
• There were 92 males and 215 female students included in the sample.
• . The participants for this research were full-time students in university.
• The selected respondents are selected randomly.
 RESEARCH DESIGN

- Quantitative research designs have been choose in this study.

- The study was conducted among all students in UiTM Perak from September to December
2017.
 DATA COLLECTION METHOD

• Quick results.
DIRECT • Less time
QUESTIONNAIR
E consumption.
• High response rate.
RESULT OF THE STUDY
THE ITEM THAT STUDENTS UITM TAPAH MOST SPEND
 Regression Analysis
• To find the relationship between gender and spending amount (simple linear regression).

ANOVAa
Model Sum of df Mean Square F Sig.
Squares
Regression 75383.040 1 75383.040 2.858 .092b
1 Residual 8046104.471 305 26380.670    

Total 8121487.511 306      

a. Dependent Variable: Total spending amount
b. Predictors: (Constant), gender

Model Summary
Model R R Square Adjusted R Std. Error of the
Square Estimate

1 .096a .009 .006 162.421

a. Predictors: (Constant), gender
 Coefficientsa
Model Unstandardized Standardiz t Sig.
Coefficients ed
Coefficient
s
B Std. Error Beta
(Constant) 568.597 35.633   15.957 .000
1
gender -34.205 20.235 -.096 -1.690 .092
a. Dependent Variable: Total spending amount

The regression equation is: ŷ = 568.597-34.205x

 Correlation
Objective number 2: To identify the correlation between source of income and spending amount in university.

Correlations

  Source of income Total spending

amount

Pearson Correlation 1 .052

  .360
Source of income Sig. (2-tailed)
307 307
N

Pearson Correlation .052 1

.360  
Total spending amount Sig. (2-tailed)
307 307
N

Descriptive Statistics
  Mean Std. Deviation N

Source of income 2.40 1.423 307

Total spending amount 510.44 162.914 307

RESULT OF THE STUDY
RESULT OF THE STUDY
 REFERENCE
Mohamad Fazli Sabri, Christine C. Cook, Clinton G. Gudmunson, (2012) "Financial well‐
being of Malaysian
college students", Asian Education and Development Studies, Vol. 1 Issue: 2, pp.153-170,

Leila Falahati, Laily Hj. Paim, (2012) "Experiencing financial problems among university
students: An
empirical study on the moderating effect of gender", Gender in Management: An International
Journal, Vol.
27 Issue: 5, pp.315-330

Joyce K.H. Nga, Lisa H.L. Yong, Rathakrishnan D. Sellappan, (2010) "A study of financial
awareness among youths", Young Consumers,
Vol. 11 Issue: 4, pp.277-290