{"id":"https://openalex.org/W3134881518","doi":"https://doi.org/10.32890/jes2021.3.1.1","title":"DRIVERS OF FUTURE SAVINGS OF MALAYSIAN HOUSEHOLDS","display_name":"DRIVERS OF FUTURE SAVINGS OF MALAYSIAN HOUSEHOLDS","publication_year":2021,"publication_date":"2021-01-31","ids":{"openalex":"https://openalex.org/W3134881518","doi":"https://doi.org/10.32890/jes2021.3.1.1","mag":"3134881518"},"language":"en","primary_location":{"id":"doi:10.32890/jes2021.3.1.1","doi":"https://doi.org/10.32890/jes2021.3.1.1","is_oa":true,"landing_page_url":"https://doi.org/10.32890/jes2021.3.1.1","pdf_url":"https://e-journal.uum.edu.my/index.php/jes/article/download/12703/2854/37477","source":{"id":"https://openalex.org/S4210216467","display_name":"JOURNAL OF ECONOMICS AND SUSTAINABILITY","issn_l":"2637-1294","issn":["2637-1294"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I94625822","host_organization_name":"Universiti Utara Malaysia","host_organization_lineage":["https://openalex.org/I94625822"],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Economics and Sustainability","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://e-journal.uum.edu.my/index.php/jes/article/download/12703/2854/37477","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5110248595","display_name":"Nor Hayati Ahmad","orcid":"https://orcid.org/0009-0008-6379-5927","observed_orcids":["https://orcid.org/0009-0008-6379-5927"]},"institutions":[{"id":"https://openalex.org/I94625822","display_name":"Universiti Utara Malaysia","ror":"https://ror.org/01ss10648","country_code":"MY","type":"education","lineage":["https://openalex.org/I94625822"]}],"countries":["MY"],"is_corresponding":false,"raw_author_name":"Nor Hayati Ahmad","raw_affiliation_strings":["Universiti Utara Malaysia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universiti Utara Malaysia","institution_ids":["https://openalex.org/I94625822"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5019521281","display_name":"Asish Saha","orcid":"https://orcid.org/0000-0002-6262-3655","observed_orcids":["https://orcid.org/0000-0002-6262-3655"]},"institutions":[{"id":"https://openalex.org/I2802865875","display_name":"Flame University","ror":"https://ror.org/0252mqn49","country_code":"IN","type":"education","lineage":["https://openalex.org/I2802865875"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Asish Saha","raw_affiliation_strings":["Flame University, Pune, India"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Flame University, Pune, India","institution_ids":["https://openalex.org/I2802865875"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5043568577","display_name":"Hock Eam Lim","orcid":"https://orcid.org/0000-0003-2165-0224","observed_orcids":["https://orcid.org/0000-0003-2165-0224"]},"institutions":[{"id":"https://openalex.org/I94625822","display_name":"Universiti Utara Malaysia","ror":"https://ror.org/01ss10648","country_code":"MY","type":"education","lineage":["https://openalex.org/I94625822"]}],"countries":["MY"],"is_corresponding":false,"raw_author_name":"Hock Eam Lim","raw_affiliation_strings":["Universiti Utara Malaysia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universiti Utara Malaysia","institution_ids":["https://openalex.org/I94625822"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5019866850","display_name":"Muhammad Muhaizam Musa","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I94625822","display_name":"Universiti Utara Malaysia","ror":"https://ror.org/01ss10648","country_code":"MY","type":"education","lineage":["https://openalex.org/I94625822"]}],"countries":["MY"],"is_corresponding":false,"raw_author_name":"Muhammad Muhaizam Musa","raw_affiliation_strings":["Universiti Utara Malaysia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universiti Utara Malaysia","institution_ids":["https://openalex.org/I94625822"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5083967985","display_name":"Siew Goh Yeok","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I94625822","display_name":"Universiti Utara Malaysia","ror":"https://ror.org/01ss10648","country_code":"MY","type":"education","lineage":["https://openalex.org/I94625822"]}],"countries":["MY"],"is_corresponding":false,"raw_author_name":"Goh Yeok Siew","raw_affiliation_strings":["Universiti Utara Malaysia, Kedah, Malaysia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universiti Utara Malaysia, Kedah, Malaysia","institution_ids":["https://openalex.org/I94625822"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":1,"citation_normalized_percentile":{"value":0.04018775,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":91,"max":95},"biblio":{"volume":"3","issue":"1","first_page":"11","last_page":"11"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.9980000257492065,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.9980000257492065,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.0010000000474974513,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.0003000000142492354,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/household-savings","display_name":"household savings","score":0.9769999980926514},{"id":"https://openalex.org/keywords/malaysian-households","display_name":"Malaysian households","score":0.7269999980926514},{"id":"https://openalex.org/keywords/financial-security","display_name":"financial security","score":0.7459999918937683},{"id":"https://openalex.org/keywords/sociodemographic-factors","display_name":"sociodemographic factors","score":0.824999988079071},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"financial inclusion","score":0.7099999785423279},{"id":"https://openalex.org/keywords/bank-customers","display_name":"bank customers","score":0.6589999794960022}],"concepts":[{"id":"https://openalex.org/C39896193","wikidata":"https://www.wikidata.org/wiki/Q380344","display_name":"Descriptive statistics","level":2,"score":0.7236629724502563},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.7022599577903748},{"id":"https://openalex.org/C198531522","wikidata":"https://www.wikidata.org/wiki/Q485146","display_name":"Sample (material)","level":2,"score":0.5691173076629639},{"id":"https://openalex.org/C4249254","wikidata":"https://www.wikidata.org/wiki/Q3044431","display_name":"Demographic economics","level":1,"score":0.5556321144104004},{"id":"https://openalex.org/C103565092","wikidata":"https://www.wikidata.org/wiki/Q159421","display_name":"Savings account","level":2,"score":0.5218390822410583},{"id":"https://openalex.org/C2993791488","wikidata":"https://www.wikidata.org/wiki/Q676459","display_name":"Bank account","level":3,"score":0.5039111971855164},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5017144680023193},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.42492973804473877},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.31742215156555176},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.22937723994255066},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.10342267155647278},{"id":"https://openalex.org/C105795698","wikidata":"https://www.wikidata.org/wiki/Q12483","display_name":"Statistics","level":1,"score":0.08249309659004211},{"id":"https://openalex.org/C43617362","wikidata":"https://www.wikidata.org/wiki/Q170050","display_name":"Chromatography","level":1,"score":0.0},{"id":"https://openalex.org/C185592680","wikidata":"https://www.wikidata.org/wiki/Q2329","display_name":"Chemistry","level":0,"score":0.0},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.32890/jes2021.3.1.1","doi":"https://doi.org/10.32890/jes2021.3.1.1","is_oa":true,"landing_page_url":"https://doi.org/10.32890/jes2021.3.1.1","pdf_url":"https://e-journal.uum.edu.my/index.php/jes/article/download/12703/2854/37477","source":{"id":"https://openalex.org/S4210216467","display_name":"JOURNAL OF ECONOMICS AND SUSTAINABILITY","issn_l":"2637-1294","issn":["2637-1294"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I94625822","host_organization_name":"Universiti Utara Malaysia","host_organization_lineage":["https://openalex.org/I94625822"],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Economics and Sustainability","raw_type":"journal-article"},{"id":"pmh:oai:repo.uum.edu.my:28180","doi":null,"is_oa":false,"landing_page_url":"https://doi.org/10.32890/jes2021.3.1.1","pdf_url":null,"source":{"id":"https://openalex.org/S4306400886","display_name":"Universiti Utara Malaysia Institutional Repository (Universiti Utara Malaysia)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I65079550","host_organization_name":"Universiti Malaysia Perlis","host_organization_lineage":["https://openalex.org/I65079550"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"acceptedVersion","is_accepted":true,"is_published":false,"raw_source_name":null,"raw_type":"Article"}],"best_oa_location":{"id":"doi:10.32890/jes2021.3.1.1","doi":"https://doi.org/10.32890/jes2021.3.1.1","is_oa":true,"landing_page_url":"https://doi.org/10.32890/jes2021.3.1.1","pdf_url":"https://e-journal.uum.edu.my/index.php/jes/article/download/12703/2854/37477","source":{"id":"https://openalex.org/S4210216467","display_name":"JOURNAL OF ECONOMICS AND SUSTAINABILITY","issn_l":"2637-1294","issn":["2637-1294"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I94625822","host_organization_name":"Universiti Utara Malaysia","host_organization_lineage":["https://openalex.org/I94625822"],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Economics and Sustainability","raw_type":"journal-article"},"sustainable_development_goals":[{"score":0.666700005531311,"id":"https://metadata.un.org/sdg/1","display_name":"No poverty"},{"score":0.48510000109672546,"id":"https://metadata.un.org/sdg/8","display_name":"Decent work and economic growth"}],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[{"id":"https://openalex.org/F4320309591","display_name":"Universiti Utara Malaysia","ror":"https://ror.org/01ss10648"}],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W3134881518.pdf","grobid_xml":"https://content.openalex.org/works/W3134881518.grobid-xml"},"referenced_works_count":11,"referenced_works":["https://openalex.org/W1996872928","https://openalex.org/W2024087287","https://openalex.org/W2049380630","https://openalex.org/W2062668933","https://openalex.org/W2132911508","https://openalex.org/W2139921829","https://openalex.org/W2165516468","https://openalex.org/W2202445099","https://openalex.org/W2236300442","https://openalex.org/W2328229630","https://openalex.org/W3122702617"],"related_works":["https://openalex.org/W3195877163","https://openalex.org/W3180057663","https://openalex.org/W7071173780","https://openalex.org/W7217761634","https://openalex.org/W7221465494","https://openalex.org/W4392504019","https://openalex.org/W4392566979","https://openalex.org/W3183231336","https://openalex.org/W3159595458","https://openalex.org/W2181377676"],"abstract_inverted_index":{"The":[0,16,95,121,178],"households\u2019":[1],"savings":[2,64,113,174],"in":[3,74,111,115,142,172],"Malaysia":[4,79],"have":[5,165],"shown":[6],"a":[7,166],"deteriorating":[8],"trend":[9],"that":[10,26,98],"negatively":[11],"impacts":[12],"their":[13,49,112],"financial":[14,117],"security.":[15],"Financial":[17],"Inclusion":[18],"and":[19,39,82,88,118,145,147,157],"Capability":[20],"Study":[21],"of":[22,30,52,62,65,70,77,102,123,139,154,160,175,181],"BNM":[23],"(2016)":[24],"indicates":[25],"merely":[27],"6":[28],"percent":[29,41,101],"Malaysians":[31],"could":[32],"survive":[33],"for":[34],"more":[35],"than":[36],"six":[37],"months":[38,45],"18":[40],"up":[42],"to":[43,58,107,128],"three":[44,75],"if":[46],"they":[47],"lose":[48],"main":[50],"source":[51],"income.":[53],"Thus,":[54],"it":[55],"is":[56],"imperative":[57],"examine":[59],"the":[60,83,137,143,152,158,161,170,176,182],"drivers":[61,122],"future":[63,124,173],"Malaysian":[66],"households.":[67,177],"A":[68],"sample":[69],"1,106":[71],"bank":[72],"customers":[73],"cities":[76],"peninsular":[78],"was":[80],"recruited,":[81],"descriptive":[84],"statistics,":[85],"correlation":[86],"analysis,":[87],"Seemingly":[89],"Unrelated":[90],"Regressions":[91],"(SUR)":[92],"were":[93],"employed.":[94],"results":[96],"reveal":[97],"about":[99],"25":[100],"households":[103],"are":[104,126,184],"not":[105],"likely":[106],"make":[108],"any":[109],"changes":[110],"profile":[114],"various":[116],"physical":[119],"assets.":[120],"saving":[125,162],"found":[127],"be":[129],"socio-demographic":[130],"parameters,":[131,149],"such":[132,150],"as":[133,151],"age,":[134],"education":[135],"level,":[136],"number":[138],"working":[140],"members":[141],"household,":[144],"income,":[146],"other":[148],"percentage":[153],"income":[155],"saved,":[156],"period":[159],"plan,":[163],"which":[164],"significant":[167],"relationship":[168],"with":[169],"change":[171],"policy":[179],"implications":[180],"findings":[183],"also":[185],"presented.":[186],"Received":[187],"20":[188],"July":[189],"20.":[190,194,198],"Revised":[191],"9":[192],"August":[193,197],"Accepted":[195],"11":[196]},"counts_by_year":[{"year":2026,"cited_by_count":1}],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2021-03-15T00:00:00"}