Social Relationship B40 against Purchasing Behaviour Non-Basic Needs using Loans and Intention to Increase debt

Abstract

Nowadays, the culture of debt has been considered synonymous with low-income, middle-income, and high-income households. The behavioral of owing among these groups of households can be distinguished through the types of needs based on what they want to fulfil. In view of the requirement hierarchy introduced by Maslow (1954), there are five levels of need to be met, including the intrinsic need i.e. social needs. Individuals with low income or group B40 are expected to loan for their basic needs and to fund their daily basic costs. However, due to time and environment circulation, there may be other requirements that they want to fulfil. Therefore, this research is to study the effect of social relationships on the intention of increasing the loan and the purchase of tahsiniyyat goods (such as comfort and beauty requirements) through loans carried out among B40 households in Felda Sabah, Malaysia. This research uses a questionnaire instrument and analyzed data using Smart PLS software. The findings show that there is a significant relationships between social relationship and the purchase of non-basic goods through loans. Some basic implications and suggestions are also discussed in this study.

Authors and Affiliations

Dicky Wiwittan Toto Ngadiman, Daily Tayok, Salmy Edawaty Yacoob, Hairunnizam Wahid

Keywords

Related Articles

The Halal-Green Consumerism Concept in Al-Qur’an: An Analysis

Consumerism is one discipline of social science that is important in an Islamic system of life. Basically, all forms of expenditure, financial management, consumerism procedures either involving the household, office adm...

Analysis of Numerical Understanding Analysis for Primary School

This study aims to examine the level of understanding of Fourth Year student numeracy based on Critical Numeracy Model. The four levels in the Numeracy Understanding Model (NUM) applied in this study are de-coding, meani...

Rubrics as Assessment, Evaluation and Scoring Tools

Various types of assessment have grown rapidly, in line with the development of the education sector. An assessment can be conducted using a project-based assessment, authentic assessment, creative assessment and technol...

Understanding the Determinants of Online Purchase Intention among Malaysian Youth

The purpose of this research study is to investigate the determinants toward online purchase intention and this study doing towards youth in Malaysia that may have experiences in purchases items through online. In this s...

Archetypal Characters In Wayang Kulit Kelantan

The study specifically looks into the design aspects of the Kelantan shadow play or locally known as Wayang Kulit Kelantan (WKK). WKK is a traditional shadow play which involves a puppeteer, who is also the story teller....

Download PDF file
  • EP ID EP566271
  • DOI 10.6007/IJARBSS/v8-i7/4558
  • Views 128
  • Downloads 0

How To Cite

Dicky Wiwittan Toto Ngadiman, Daily Tayok, Salmy Edawaty Yacoob, Hairunnizam Wahid (2019). Social Relationship B40 against Purchasing Behaviour Non-Basic Needs using Loans and Intention to Increase debt. International Journal of Academic Research in Business and Social Sciences, 8(7), 1102-1117. https://europub.co.uk/articles/-A-566271