In Malaysia, the requirement to purchase a motor insurance is stated in the Road Transport Act 1987. It is a compulsory insurance policy for the owner of the motor vehicle in order to use the public road. There is no specific restriction to purchase as the decision to buy either conventional motor insurance or takaful products will depends on the insured's choice. Recently, the demand for motor takaful is increasing tremendously due to several factors. Nevertheless, the market penetration of takaful products still lower than the conventional insurance. Lack of awareness and knowledge about the concept of takaful were some of the contributary factors based on previous studies. This research aims to discover the role of awareness and knowledge towards motor takaful among young generation. Primary data collection was used through online survey involving young generation. Data analysis was performed by using SPSS version 27.0 and descriptive statistics were used to define the respondents. The findings showed lack of awareness and knowledge among the young generation pertaining to the elements of motor takaful. This finding would be useful for the takaful operators to look into their marketing strategies to stay competitive in the insurance and takaful industry.
In the modern era, e-wallets have evolved into crucial mobile applications. It replaces conventional payment methods like using cash and debit or credit cards to complete transactions after making a purchase of goods or services. This study will examine university students' acceptance of using the Technology Acceptance Model (TAM) to determine whether they are willing to use the applications or whether they reject them. 210 students took part in the study and answered the online questionnaire that was distributed using Google Form. The demographic profile of the respondents, as well as the three TAM components that were used in this study-perceived usefulness (PU), perceived security (PS), and perceived ease of use (PEU)-were analysed. Additionally, this study examined the students at UiTM Melaka's willingness or actual use (AU) in relation to their behavioral intention (BIU). The results of the Pearson Correlation analysis revealed a positive and significant relationship between UiTM Melaka students' behavioral intention to use an ewallet and perceived usefulness and perceived security, but the relationship became positive but insignificant with perceived ease of use. Perceived usefulness, on the other hand, emerged as the most important factor that affected respondents' behavioral intention to use an e-wallet, according to the results of the multiple linear regression analysis. The behavioral intention to use an e-wallet also demonstrated a positive influence on actual e-wallet use among UiTM Melaka students. Therefore, the research's findings were helpful in assisting businesses and the application's developer in enhancing their features and offerings, particularly regarding the safety and usability of the systems.
The present study aims to evaluate the influence of income inequality on household debt by applying the dynamic GMM estimator to a database covering advanced and emerging countries over the period 1994 to 2019. The result shows that income inequality promotes the growth of household debt. Furthermore, higher house prices and financial development increase the household debt. Meanwhile, the economic growth, interest rate and unemployment have negative and significant effect on household debt. The finding of the study suggests the involved authorities formulate suitable policies and initiatives in order to monitor the increase in household debt. Indirectly, this measure can be useful to consider as an early warning signal for crises.
This study aims to identify the factors that influence youngsters' intention to be involved in digital entrepreneurship. The study also examines the relationships between entrepreneurship education, personal attitude, and digital marketing literacy toward the digital entrepreneurial intention. A total of 151 respondents among students taking entrepreneurship subjects were collected and data were analyzed using the Statistical Package for the Social Sciences (SPSS) version 27.0. Descriptive, correlation, and multiple regression analyses were used to analyze the data. Based on the stepwise method used, it was found that only personal attitude has a significant relationship with digital entrepreneurship intention among students. The personal attitude seems to have a strong relationship with digital entrepreneurial intention. This variable also was the best predictor variable in predicting digital entrepreneurial intention while educational support and digital marketing literacy were rejected. The finding is important to policymakers to formulate suitable policies to be flexible with the nature of young generations to be an entrepreneur. Based on the findings, the current curriculum and prospectus designed in the higher learning institution are beneficial and improve self-confidence and self-efficacy throughout the students' life experiences. Hence, the Ministry of Higher Education can provide more grants and incentives to the universities to involve students in improving their digital entrepreneurial skills. In the future, the researchers might consider different genders and diversity of ethnicities in the model and add some other variables that affect digital entrepreneurial intention among the young generation such as personality factors, social factors, and risktaking propensity.
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