Psychosocial and Behavioral Factors as Predicting  Variables with Intention to Save Money for Education: A  Case Study of   PTPTN

Ahmad Mohamed Martadha; Ismail Mohamed Said

doi:10.32890/jgd2016.12.2.12

Pengarang

Ahmad Mohamed Martadha School of Government, College of Law, Government and International Studies Universiti Utara Malaysia, Malaysia
Ismail Mohamed Said School of Government, College of Law, Government and International Studies Universiti Utara Malaysia, Malaysia

DOI:

https://doi.org/10.32890/jgd2016.12.2.12

Kata kunci:

Theory of Planned Behavior (TPB), Saving, PTPTN

Abstrak

The financial management of individuals varies around the world, with rapid economic growth there is an alarming increase in the value of products and services that challenge people who have poor financial management. However, this requires individuals to manage their financial resources through appropriate saving behaviour. This paper investigates psychosocial and behavioural factors influencing consumersâ€™ intention to save money for educational purposes. A web based survey was used to collect data from 174 individuals in Malaysia. An extended theory of planned behaviour was used to model intention to engage in savings behaviour. Research hypotheses were constructed regarding the influence of attitudes, subjective norm and, perceived behavioural control to information exposure and current engagement in saving behaviour. Engagement in saving behaviour and active information on funds conservation predicted intention to save. However, there exposure to information was not implicated and subjective norms and perceptions of control predicted intention to save but attitudes towards saving did not.

Rujukan

Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50, 179-211.

Ajzen, I. (2005). Attitudes, personality, and behavior (2nd ed.). Berkshire: Open University Press..

Ajzen, I. (2006). The theory of planned behavior. Retrieved January, 09, 2011 from: http://people.umass.edu/aizen/tpb.html.

Ajzen, I., & Driver, B. L. (1992). Application of the theory of planned behavior to leisure choice. Journal of Leisure Research, 24(3), 207-224.

Ajzen, I., & Fishbein, M. (1980). Understanding att itudes and predicting social behavior, Englewood Cliﬀ s, NJ: Prentice-Hall.

Ajzen, I., & Madden, T.J. (1986). Prediction of goal directed behavior: Att itudes, intentions, and perceived behavioural control. Journal of Experimental Social Psychology, 22, 453-474.

Anderson, A. G., & Lavallee, D. (2007, in press). Applying the theories of reasoned action and planned behavior to athlete training adherence behavior. Applied Psychology: An International Review.

Anderson, J., & Gerbing, D. (1988). Structural equation modelling in practice: A review and recommended two-step approach. Psychological Bulletin, 103(3), 411-423.

Arbuckle, J. L., & Wothke, W. (1999). AMOS users’ guide version 4.0, Chicago, IL: Smallwaters Corporation.

Bobek, D. D. (1997). Tax fairness: How do individuals judges fairness and what eﬀ ects does it have on their behavior. (Ph.D. Dissertation). University of Florida, Gainesville.

Bobek, D. D., & Hatﬁ eld, R.C. (2003). An investigation of the theory of planned behavior and the role of moral obligation in tax compliance. Behavioral Research in Accounting, 15, 13-38.

Browne, M.W., & Cudeck, R. (1993). Alternative ways of assessing model ﬁ t, in Testing structural equation models. K.A. Bollen and J.S. Long, (Eds.) Newbury Park, CA: Sage, 136-62. Budi Wahyono. 2013. Pengaruh pendidikan kewirausahaan terhadap niat berwirausaha siswa smk negeri 1 pedan tahun 2013. Tesis. PPs UNS.

Elliott, M. A, Armitage, C. J., & Baughan, C. J. (2003). Driver’s compliance with speed limits: an application of the theory of planned behavior. Journal of Applied Psychology, 88(5), 964-972.

Fang, K., & Shih, Y. (2004). The use of a decomposed theory of planned behavior to study internet banking in Taiwan. Internet Research, 14(3), 213-223.

Farrell, S. & Tapper, E. (2007). Student loans: The failure to consolidate an emerging political consensus, United Kingdom: University of Sussex.

Fatimah Wati, I., Jamalludin, S., Rosni, B., Norehan, A, & Siti Aznor, A. (2002). Returns to investment in higher education in Malaysia. Sint k: U niversiti Utara Malaysia.

Fishbein, M., & Ajzen, I. (1975). Belief, attitude, intention, and behaviour: An introduction to theory and research, Reading, MA: Addison-Wesley.

Fishbein, M., & Ajzen, I. (1975). Belief, attitude, intention, and behavior: An introduction to theory and research. Philippines: Addison-Wesley Publishing Company.

Fishbein, M., & Ajzen, I. (1980). Understanding attitudes and predicting social behavior. New Jersey: Prentice Hall Engelwood Cliffs.

Fishbein, M., & Ajzen, I. (2010). Predicting and changing behavior: The reasoned action approach. New York: Psychology Press.

Fornell, C., & Larcker, D. (1981). Evaluating structural equation models with unobserved variable and measurement error. Journal of Marketing Research, 18, 39-50.

Hagger, M. S., & Chatzisarantis, N. L. D. (2005). First and higher-order models of att itudes, normative inﬂ uence, and perceived behavioural control in the theory of planned behaviour, Bristish Journal of Social Psychology, 44, 513-535.

Hair, J. F., Anderson, R. E., Tatham, R. L., & Black, W. C. (1998). Multivariate data analysis. New Jersey: Prentice Hall.

Hanno, D., & Violett e, G. R. (1996). An analysis of moral and social inﬂ uences on taxpayer behavior. Behavioral Research in Accounting, 8, 57-75.

Hu, L., & Bentler, P. M. (1999). Cut oﬀ criteria for ﬁ t indexes in covariance structure analysis: Conventional criteria versus new alternatives. Structural Equation Modeling, 6(1), 1-55.

Ingram, K. L., Cope, J. G., Harju, B. L., & Wuensch, K. L. (2000). Applying to graduate school: A test of the theory of planned behavior. Journal of Social Behavior and Personality, 15(2), 215-226.

PTPTN. (2007), Laporan akhir skim pinjaman pelajar dan pembangunan modal insan: Kes Pe&adanan Tabung Pendidikan Tinggi Nasional (PTPTN). Pulau Pinang: Unive. Laman web rasmi PTPTN. www.ptptn.gov.com.my. Laporan Ketua Audit Negara Tahun 2013.

Mazlah Yaacob. (1991), Pinjaman kerajaan: satu penilaian dari segi hukum syarak. Latihan Ilmiah. Selangor: Universiti Malaya.

Miniard, P. W., & Cohen, J. B. (1983). Modeling personal and normative inﬂuences on behavior. Journal of Consumer Research, 10, 169-180.

Mohamad Sahizam Musa. (2012). Kesanggupan membayar balik pinjaman PTPTN: Kajian Kes di Universiti Malaysia Terengganu.

Mohamad Sahizam. (2008). Kecenderungan pelajar membelanjakan wang pinjaman pelajaran PTPTN, Satu kajian kes di Universiti Malaysia Terengganu, Terengganu: Universiti Malaysia Terengganu.

Mohd Firdaus, M. J. (2009). Persepsi pelajar tahun 4 fakulti pendidikan UTM terhadap pembayaran caj perkhidmatan dalam Pinjaman Pehadanan Tabung Pendidikan Tinggi Nasional (PTPTN), Universiti Teknologi Malaysia, Skudai.

Mohd Majid Konting. (2004) Kaedah penyelidikan pendidikan Kuala Lumpur: Dewan Bahasa dan Pustaka.

Notani, A. S. (1998). Moderators of perceived behavioral control’s predictiveness in the theory of planned behavior: A meta-analysis. Journal of Consumer Psychology, 7(3), 247-271.

Oliver, R. L., & Bearden, W. O. (1985). Crossover eﬀ ects in the theory of reasoned action: A moderating inﬂ uence att empt. Journal of Consumer Research, 12, 324-340. Portal PTPTN. (14 Disember 2014). PTPTN Penurntuk RM 32.6b Pinjaman ke IPTA. Diperolehi dari: www.~ortal~t~tn.~)ov.com.my. Portal PTPTN. (2 Disember 2014). PTPTN buru 700,000 liat bayar pinjaman. Diperolehi dari: www.~ortalptptn.gov.com.my. Portal PTPTN. (20 November 2014). Paksa potong gaji bayar hutang PTPTN. Diperolehi dari: www.~ortal~t~tn.~ov.com.

Rah, J. H., Hasler, C. M., Painter, J. E., & Chapman-Novakofski, K. M. (2004). Applying the theory of planned behavior to women’s behavioral attitudes on and consumption of soy products. Journal of Nutrition Education Behavior, 36, 238-244.

Ryan, M. J. (1982). Behavioural intention formation: The interdependency of attitudinal and social inﬂuence variables. Journal of Consumer Research, 9, 263-278.

Shimp, T. A., & Kavas, A. (1984). The theory of reasoned action applied to coupon usage. Journal of Consumer Research, 11, 795-809.

Sukirno, R. S. H., & Sutarmanto, H. (2007). Faktor-faktor yang mempengaruhi intensi membeli produk wayang kulit pada masyarakat suku Jawa. Psikologika, 24, 119-131.

Suryani, A O. (2007). Gambaran sikap terhadap hidup melajang dan kecemasan akan ketidakhadiran pasangan pada wanita lajang berusia di atas 30 tahun. Jurnal Ilmiah Psikologi Manasa, 1(1), 75-95,

Taylor, S., & Todd, P. (1995). Decomposition and crossover effects in the theory of planned behavior: A study of consumer adoption intentions. International Journal of Research in Marketing, 12, 137-55.

Yuliana. (2004). Pengaruh sikap terhadap pindah kerja, norma subjektif, perceived behavioral control terhadap intensi pindah kerja pada pekerja teknologi informasi. Phronesis: Jurnal Ilmiah Psikologi Terapan, 6(11), 1-18