马来西亚Y世代储蓄行为的决定因素:综合行为模型的应用

IF 1.9 Q2 ECONOMICS

INTERNATIONAL JOURNAL OF SOCIAL ECONOMICS Pub Date : 2023-11-24 DOI:10.1108/ijse-05-2023-0340

Ida Lopez, Nurul Shahnaz Mahdzan, Mahfuzur Rahman

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引用次数: 0

摘要

目的使用综合行为模型(IBM)作为理论框架，本研究旨在确定马来西亚1980-1995年出生的赚取收入的Y一代(Gen Y)储蓄行为的决定因素。设计/方法/方法本研究采用问卷调查的方式对Y一代受访者进行调查，通过方便抽样的方法获得了500组回复。结果利用偏最小二乘结构方程模型(PLS-SEM)分析发现，工具态度、命令规范、知觉控制、自我效能感和储蓄意愿之间存在正相关关系。其次，储蓄意愿、理财知识和时间偏好对储蓄行为有正向影响。政策制定者可能会发现这项研究很有用，因为结果揭示了马来西亚Y世代的储蓄行为决定因素，然后可以制定政策来改善Y世代的储蓄行为。独创性/价值本研究通过将IBM应用于储蓄行为的研究，为文献做出了贡献。同行评议本文的同行评议历史可在:https://publons.com/publon/10.1108/IJSE-05-2023-0340

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Saving behaviour determinants of Malaysia’s generation Y: an application of the integrated behavioural model

Purpose

Using the integrated behavioural model (IBM) as a theoretical framework, this study aims to identify the determinants of saving behaviour among Malaysia's income-earning Generation Y (Gen Y) born in the years 1980–1995.

Design/methodology/approach

The study was conducted using a questionnaire survey targeting Gen Y respondents 500 sets of responses were obtained via convenience sampling method.

Findings

Analysis conducted using partial least squares structural equation modelling (PLS-SEM) revealed that there were positive relationships among instrumental attitude, injunctive norm, perceived control, self-efficacy and intention to save. Secondly, intention to save, financial literacy and time preference were found to positively influence saving behaviour.

Practical implications

Policymakers may find this study useful as the results reveal saving behaviour determinants of Gen Ys in Malaysia, and policies could then be formulated to improve Gen Y's saving behaviour.

Originality/value

This study contributes to the literature by applying the IBM to a study on saving behaviour.

Peer review

The peer review history for this article is available at: https://publons.com/publon/10.1108/IJSE-05-2023-0340

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来源期刊

INTERNATIONAL JOURNAL OF SOCIAL ECONOMICS ECONOMICS-

CiteScore

3.20

自引率

5.30%

发文量

期刊介绍： The International Journal of Social Economics publishes original and peer-reviewed theoretical and empirical research in the field of social economics. Its focus is on the examination and analysis of the interaction between economic activity, individuals and communities. Social economics focuses on the relationship between social action and economies, and examines how social and ethical norms influence the behaviour of economic agents. It is inescapably normative and focuses on needs, rather than wants or preferences, and considers the wellbeing of individuals in communities: it accepts the possibility of a common good rather than conceiving of communities as merely aggregates of individual preferences and the problems of economics as coordinating those preferences. Therefore, contributions are invited which analyse and discuss well-being, welfare, the nature of the good society, governance and social policy, social and economic justice, social and individual economic motivation, and the associated normative and ethical implications of these as they express themselves in, for example, issues concerning the environment, labour and work, education, the role of families and women, inequality and poverty, health and human development.