The Effects of Savings Culture and Government Policy in Instilling the Habit of Savings:

Proceedings of the 2nd International Conference on Administration Science 2020 (ICAS 2020) Pub Date : 2021-07-01 DOI:10.2991/assehr.k.210629.058

Nur Khairina Muhamad Husin, Ahmad Martadha Mohamed

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引用次数: 1

Abstract

The aim of this study is to understand the factors that influence the attitude towards savings among Malay employees in the public sector in Malaysia. The research study has focused on both internal and external factor in understanding the influence the attitude towards savings among the employees. The internal factor in this study is savings behavior and savings culture while, the external factor is the government policy. The result of the survey that has been conducted on 769 respondents (Malay employees working in Malaysia public sector). The analysis was made using advanced multivariate statistical software of Structural Equation Modelling (SmartPLS v3). The result of the analysis found that R2 value of the model is 0.306 which indicates that the developed model has a substantial impact on the attitude towards savings. Based on the model, savings culture is the most prominent in exhibiting effect on the attitude towards savings. Keywords—government policy, savings culture, savings behavior, attitude towards savings

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储蓄文化与政府政策对养成储蓄习惯的影响

本研究的目的是了解影响马来西亚公共部门马来雇员对储蓄态度的因素。本研究从内部因素和外部因素两个方面来了解员工储蓄态度的影响。本研究的内部因素是储蓄行为和储蓄文化，外部因素是政府政策。这是对769名受访者(在马来西亚公共部门工作的马来雇员)进行的调查结果。采用先进的多元统计软件结构方程建模(SmartPLS v3)进行分析。分析结果发现，模型的R2值为0.306，表明开发的模型对储蓄态度有实质性的影响。从模型来看，储蓄文化对储蓄态度的影响最为突出。关键词:政府政策;储蓄文化;储蓄行为

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Proceedings of the 2nd International Conference on Administration Science 2020 (ICAS 2020)

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