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RISS 인기검색어
- 검색키워드
- 저자 : Abdelhak Senadjki (검색결과 2 건)
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Assets, Risks and Vulnerability to Poverty Traps: A Study of Northern Region of Malaysia
Abdelhak Senadjki,Saidatulakmal Mohd,Zakaria Bahari,Abdul Fatah Che Hamat 한국유통과학회 2017 The Journal of Asian Finance, Economics and Busine Vol.4 No.4
The Northern States of Malaysia comprises of four states (Penang, Kedah, Perlis and Perak) still record high poverty incidence eventhough Malaysia has experienced a remarkable reduction of poverty over the past century. Economic activities in Perlis and Kedah that are predominantly agriculture in the rural area contribute to this disparity. To add, rural households are also subject to risks and uncertainties that make them more vulnerable to poverty. This study examines the impact of risks and assets on households’ vulnerability to poverty. A survey of 400 respondents was conducted in December 2015 in the northern region of Malaysia. From these 400 questionnaires, only 298 were considered valid and used in the analysis. Using a logistic probability function, the results indicated that risks are not a significant threat to households. Gender and strata are crucial elements that significantly determine households’ vulnerability. While human capital and financial capital significantly reduce households’ vulnerability to poverty, physical and natural capitals were not statistically significant. The study suggests that the government and practitioners design strategies and policies with an assets-based approach. The asset-based approach is more appropriate for linking the causes of poverty to vulnerability.
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Predicting the Onset of Housing Affordability Problem
Yip Chee Yin,Au Yong Hui Nee,Abdelhak Senadjki,Oon Kam Hoe People&Global Business Association 2018 Global Business and Finance Review Vol.23 No.3
This paper aims to use threshold values of housing price index, economic growth and mortgage rate as guidance to predict the onset of housing affordability problem by recursive forecasting method using graphical and autoregressive distributed lag model. These threshold values are taken from the findings of our previous study entitled “Housing Affordability Dynamics”, featured in the International Journal of Applied Business and Economic Research (November 2017). We define housing affordability index and its threshold value, 130, below which, there is housing affordability problem. Next, we obtained the threshold values respectively for housing price index which must be less than 162, economic growth more than 5.32% and mortgage rate less than 5.57% for housing affordability to prevail. Applying the research in the Malaysian context, the results show that Malaysia is still in the midst of housing affordability problem and through the current study, we come to the conclusion that we should use the autoregressive distributed lag model every quarter so that if housing affordability index is found to be between 117 and 143, legislation should be introduced and implemented to ensure that housing affordability does not fall into unaffordability zone. The implication of the research result is that with prior knowledge of the imminent onset of housing affordability, policymakers could initiate timely intervention measures to stabilize housing affordability and thus minimize the damaging effect brought about by housing unaffordability if not deflect the crisis from occurring altogether.
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