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RISS 인기검색어
- 검색키워드
- 저자 : Zuraini Zainol (검색결과 2 건)
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The Effect of Spending Distribution on Financial Well-Being among Young Working Women
ZAINOL, Zuraidah,OMAR, Nor Asiah,ZAINOL, Zuraini,MOHD SHOKORY, Suzyanty,ABAS, Bahijah Korea Distribution Science Association 2022 유통과학연구 Vol.20 No.11
Purpose: This study determines the effect of spending distribution, namely experiential, impulsive, self-expressive, prosocial, and conspicuous spending, on the financial well-being of young working women in Malaysia. Research design, data and methodology: This study employed a quantitative and deductive approach. A sample of 400 young working women was selected using a systematic sampling technique. Data were collected using a self-administered questionnaire and analysed using Structural Equation Modelling (CB-SEM). Results: The findings revealed prosocial and impulsive spending as the significant spending distribution to affect financial well-being. The effect of prosocial spending is positive on financial well-being, while the effect of impulsive spending is a negative predictor of financial well-being. All other spending distribution - experiential, self-expressive, and conspicuous spending - do not have a significant effect on financial well-being. Conclusion: To achieve financial well-being, young working women need to distribute the spending budget for the happiness of others and reduce impulse buying. The findings provide useful insights on the significant role of spending distribution in influencing, how to fuel young working women to develop good spending habits that consequently improve their financial well-being, for themselves and Malaysian economics, as well as the plausible solution to overcome financial problems and high indebtedness.
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A Baseline Assessment of Coral Reef in Malacca Straits, Malaysia
Che Din Mohd Safuan,Azizi Ali,Zuraini Zainol,Ahmad Ali,Mohd Fadzil Mohd Akhir,Aidy M. Muslim,Zainudin Bachok 한국해양과학기술원 2018 Ocean science journal Vol.53 No.2
Coral reefs along the Malacca Straits (MS) are poorly developed mainly due to turbidity and sedimentation. This study describes the health status and community structure of the corals in Cape Rachado, West Coast of Peninsular Malaysia (WCPM), utilizing the Coral Video Transect (CVT) technique. All the survey transects were categorized as ‘fair’ coral conditions (27.39 ± 5.41%–48.56 ± 18.96%) with the reef floor mainly covered by corals and sediment. Twelve families of coral comprised of 25 distinct genera were identified. Coral communities were differentiated into four clusters with each being predominated by Galaxea, Diploastrea, Fungia and Pectinia respectively. Among all, Pectinia is the most spectacular genera and dominated the survey area. Along the MS, Favia, Favites and Porites are commonly found while Porites and Pectinia dominated the reefs. Low coral cover and diversity was recorded in MS as compared to the reefs in the South China Sea (SCS). The most prominent results include changes in the dominant coral from Porites to Pectinia while some species such as Acropora were absent from the study area. Based on the presented data, the reef in the study area was predominantly occupied by sediment and the coral communities were formed by a species with a high tolerance to turbidity and sedimentation.
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