Consumption-Savings Pattern of Low Income Households towards a Sustainable Livelihood – A Gender Perspective
A report by Khazanah Research Institute on the State of Households in 2015 revealed that majority of Malaysian households owned items such as cars, motorcycles, refrigerators, televisions, mobile phones, satellite TVs and internet subscriptions and that most low-income households acquired these i...
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| Other Authors: | |
| Format: | Book Section |
| Language: | English |
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Universiti Sains Malaysia
2016
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| Online Access: | http://eprints.usm.my/30445/ http://eprints.usm.my/30445/1/Pages1-8%20from%20HSSEC-2016-PROCEEDINGS-2.pdf |
| _version_ | 1848876354156625920 |
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| author | Mohd, Saidatulakmal Shakil, Nurul Syifaa Mohd Azhar, Nur Azirah Zahida Mohamad |
| author2 | Loke, Yiing Jia |
| author_facet | Loke, Yiing Jia Mohd, Saidatulakmal Shakil, Nurul Syifaa Mohd Azhar, Nur Azirah Zahida Mohamad |
| author_sort | Mohd, Saidatulakmal |
| building | USM Institutional Repository |
| collection | Online Access |
| description | A report by Khazanah Research Institute on the State of Households in 2015 revealed that
majority of Malaysian households owned items such as cars, motorcycles, refrigerators,
televisions, mobile phones, satellite TVs and internet subscriptions and that most low-income
households acquired these items and services on credit. The report further concluded that this
trend was also accompanied by low personal savings. While strong income growth has in
turn, helped alleviate poverty and added to the legions of the middle-income, incidentally,
this has fuelled consumption; with households increasingly use debt for spending.
Interestingly, low-income households do not only have low personal savings due to high
consumption, but low personal savings due to high consumption of assets (productive and
non productive) that act as buffers against any unanticipated events such as loss of job or
income. By using a structured questionnaire on 300 low-income households, the objectives of
the study are (i) to examine the consumption-savings pattern of low-income households and
(ii) to assess the consumption-savings pattern between genders. Low-income households are
identified as households earning MYR 3,600 per month. Data gathered on personal savings
include cash savings, savings for pilgrimage, gold, kut (rotational savings scheme),
community death benefits, land and property |
| first_indexed | 2025-11-15T16:58:13Z |
| format | Book Section |
| id | usm-30445 |
| institution | Universiti Sains Malaysia |
| institution_category | Local University |
| language | English |
| last_indexed | 2025-11-15T16:58:13Z |
| publishDate | 2016 |
| publisher | Universiti Sains Malaysia |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | usm-304452022-04-06T04:05:59Z http://eprints.usm.my/30445/ Consumption-Savings Pattern of Low Income Households towards a Sustainable Livelihood – A Gender Perspective Mohd, Saidatulakmal Shakil, Nurul Syifaa Mohd Azhar, Nur Azirah Zahida Mohamad H1-99 Social sciences (General) A report by Khazanah Research Institute on the State of Households in 2015 revealed that majority of Malaysian households owned items such as cars, motorcycles, refrigerators, televisions, mobile phones, satellite TVs and internet subscriptions and that most low-income households acquired these items and services on credit. The report further concluded that this trend was also accompanied by low personal savings. While strong income growth has in turn, helped alleviate poverty and added to the legions of the middle-income, incidentally, this has fuelled consumption; with households increasingly use debt for spending. Interestingly, low-income households do not only have low personal savings due to high consumption, but low personal savings due to high consumption of assets (productive and non productive) that act as buffers against any unanticipated events such as loss of job or income. By using a structured questionnaire on 300 low-income households, the objectives of the study are (i) to examine the consumption-savings pattern of low-income households and (ii) to assess the consumption-savings pattern between genders. Low-income households are identified as households earning MYR 3,600 per month. Data gathered on personal savings include cash savings, savings for pilgrimage, gold, kut (rotational savings scheme), community death benefits, land and property Universiti Sains Malaysia Loke, Yiing Jia Dawood, Sharifah Rohayah Sheikh Mohd, Saidatulakmal 2016 Book Section PeerReviewed application/pdf en http://eprints.usm.my/30445/1/Pages1-8%20from%20HSSEC-2016-PROCEEDINGS-2.pdf Mohd, Saidatulakmal and Shakil, Nurul Syifaa Mohd and Azhar, Nur Azirah Zahida Mohamad (2016) Consumption-Savings Pattern of Low Income Households towards a Sustainable Livelihood – A Gender Perspective. In: International Conference on Humanities, Social Sciences and Environment Proceedings. Universiti Sains Malaysia, Bali, Indonesia, pp. 1-8. ISBN 978-967-11473-5-1 |
| spellingShingle | H1-99 Social sciences (General) Mohd, Saidatulakmal Shakil, Nurul Syifaa Mohd Azhar, Nur Azirah Zahida Mohamad Consumption-Savings Pattern of Low Income Households towards a Sustainable Livelihood – A Gender Perspective |
| title | Consumption-Savings Pattern of Low Income Households towards a Sustainable
Livelihood – A Gender Perspective |
| title_full | Consumption-Savings Pattern of Low Income Households towards a Sustainable
Livelihood – A Gender Perspective |
| title_fullStr | Consumption-Savings Pattern of Low Income Households towards a Sustainable
Livelihood – A Gender Perspective |
| title_full_unstemmed | Consumption-Savings Pattern of Low Income Households towards a Sustainable
Livelihood – A Gender Perspective |
| title_short | Consumption-Savings Pattern of Low Income Households towards a Sustainable
Livelihood – A Gender Perspective |
| title_sort | consumption-savings pattern of low income households towards a sustainable
livelihood – a gender perspective |
| topic | H1-99 Social sciences (General) |
| url | http://eprints.usm.my/30445/ http://eprints.usm.my/30445/1/Pages1-8%20from%20HSSEC-2016-PROCEEDINGS-2.pdf |