Tahap Kesejahteraan Kewangan Ibu Tunggal Melayu di Terengganu
Abstract
Kajian ini adalah untuk mengenalpasti tahap kesejahteraan kewangan ibu tunggal Melayu di Terengganu. Menurut Biro Perlindungan Kewangan Pengguna (2015), kesejahteraan kewangan mempunyai empat elemen utama iaitu, 1) mempunyai kawalan ke atas kewangan secara harian dan bulanan, 2) mempunyai kapasiti untuk menampung tekanan kewangan, 3) berada di landasan yang betul untuk memenuhi matlamat kewangan, dan 4) mempunyai kebebasan kewangan untuk membuat pilihan menikmati hidup. Kesejahteraan kewangan adalah kemampuan ibu tunggal dalam menguruskan kewangan mereka dari semua aspek kehidupan termasuk mampu membuat simpanan tetap setiap bulan. Sebaliknya, ketidakmampuan ibu tunggal menguruskan kewangan akan menyebabkan mereka berada dalam keadaan gelisah, takut dan panik sehingga boleh menyebabkan kemurungan. Kos sara hidup yang meningkat telah menyebabkan kegelisahan kepada ibu tunggal yang terpaksa menyara keluarga seorang diri. Ibu tunggal sering dikaitkan dengan masalah kemiskinan yang tidak berkesudahan terutama dalam sosioekonomi. Kajian ini menggunakan kaedah kuantitatif dengan mengedarkan instrumen dan borang soal selidik kepada 612 orang ibu tunggal yang bercerai hidup dan kematian suami. Dapatan kajian dianalisis menggunakan kaedah analisis deskriptif perisian IBM SPSS statistik. Hasil analisis deskriptif mendapati, ibu tunggal di Terengganu mempunyai tahap kesejahteraan kewangan pada tahap yang rendah iaitu, ibu tunggal mempunyai masalah kewangan dan sangat risau akan masalah tersebut. Dapatan kajian ini relevan untuk penambahbaikan polisi dan dasar sosial kerajaan untuk lebih peka kepada keperluan ibu tunggal. Program sokongan juga perlu dipergiatkan kepada ibu tunggal yang tidak mempunyai pendapatan tetap setiap bulan. Agensi berkaitan perlu mengenal pasti keperluan bagi setiap keluarga yang mempunyai ibu tunggal sebagai ketua keluarga. Kesimpulannya, kajian ini telah membuktikan bahawa cabaran kewangan yang dihadapi sangat mempengaruhi kesejahteraan kewangan ibu tunggal.
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Zakaria Mohamad, Jasmi Abu Talib and Mazidah Mohd. Dagang, (2020) Effects of Visual Art Therapy on Cognitive Emotion Regulation and Anxiety of Single Mothers. International Journal of Management, 11 (6), pp. 891-904.
Zulu, H. T. (2017). A Study to Explore Single Mother’s Experiences in Raising their Children in Chibolya, Zambia (Master's thesis, Oslo and Akershus University College of Applied Sciences).
Laily, P. & Jariah, M. (2003). Pengenalan Ekonomi Pengguna. Serdang, Selangor: Universiti Putra Malaysia.
Anjli Panalal, K. (2005). Family functioning and child well-being amongst urban Malay single mother families: Influence of risk and protective factors. Doctor of Philosophy, University Putra Malaysia.
Broussard, C. A. (2010). Research regarding low-income single mothers' mental and physical health: A decade in review. Journal of Poverty, 14(4), 443-451.
Connelly, R., & Kimmel, J. (2003). The effect of child care costs on the employment and welfare recipiency of single mothers. Southern Economic Journal, 69(3), 498-519.
CRESWELL, JW 1994: Research Design: Qualitative and Quantitative Approach. London: Sage Publication.
Creswell, J. W. (2012). Educational research: Planning, conducting, and evaluating quantitative and qualitative research (4th ed.). Boston, MA: Pearson Education, Inc.
Driscoll, D. L., Appiah-Yeboah, A., Salib, P., & Rupert, D. J. (2007). Merging qualitative and quantitative data in mixed methods research: How to and why not.
Dunn, W. N. (2015). Public policy analysis. Routledge.
Fatimawati, I., Badiozaman, A., Mahdi, A., & Bakri, H. M. (2021). Stress in digital environment: The importance of digital wellbeing.
Hao, L., & Brinton, M. C. (1997). Productive activities and support systems of single mothers. American Journal of Sociology, 102(5), 1305-1344.
Helen U. Opara, Ronke C. Ojo, & Blessing E. Anyikwa. (2021). Educational Support Group As A Panacea For Academic And Career Developmentfor Single Mothers In The University Of Lagos. Nigerian Community Development Journal Vol.11 June 2021.
Henry Thomas Zulu, (2017). A Study to Explore Single Mother’s Experiences in Raising their Children in Chibolya, Zambia: Oslo and Akershus University College of Applied Sciences, Faculty of Social Sciences.
Hill, K. L. (2010). SINGLE MOTHERS-HOW ARE THEY DOING?. In Allied academies international conference. Academy of organizational culture, communications and conflict. Proceedings (Vol. 15, No. 1, p. 20). Jordan Whitney Enterprises, Inc.
Husniyah, A.R. & M. Fazilah, A.S. (2012). Financial well-being among main ethnicities in Malaysia. Consumer and Family Economics, 15, 71-84.
Imber-Black, E. (2007). Reflections on the special issue: Divorce and its aftermath. Family Process, 46(1), 1.
Johnson, M. W., Christensen, C. M., & Kagermann, H. (2008). Reinventing your business model. Harvard business review, 86(12), 57-68.
Joo, M. (2008). The impact of availability and generosity of subsidized child care on low-income mothers' hours of work. Journal of Policy Practice, 7(4), 298-313.
Joo, S. H., & Garman, E. T. (1998). The potential effects of workplace financial education based on the relationship between personal financial wellness and worker job productivity. Personal finances and worker productivity, 2(1), 163-173.
Kim, J. E., Lee, J. Y., & Lee, S. H. (2018). Single mothers’ experiences with pregnancy and child rearing in Korea: Discrepancy between social services/policies and single mothers’ needs. International journal of environmental research and public health, 15(5), 955.
Kuzunishi, L. (2003). Periodical change of tenure of single mother households and the diffrence of housing situation between single mother household who is left as a widow and who is divorced. Proceeding of 1St APHR Conference on Housing and Sustainable Urban Development, 1 – 4 Julai.
Malinga, T., & Ann Ostler, T. (2022). Perspectives on being mothered and on negotiating the transition to motherhood: A qualitative study of low-income single mothers in Botswana. International Social Work,
Mellott, L. M. (2010). The Association Between Maternal Relationship Transitions and Child Behavioral Outcomes: An Examination of Selection Effects and the Mediating Impact of Parenting [Doctoral dissertation, Ohio State University]. OhioLINK Electronic Theses and Dissertations Center.
Mohamad Fazli Sabri, Realiti & Cabaran Ketua Isi Rumah Ibu Tunggal Malaysia, 2020. Universiti Putra Malaysia.
Mohd Ismail Mustari Karjo, Robiah Ya'akob, Syarifah Chik, & Ahmad Kilani (2004). Permasalahan Ibu Tunggal dalam Melaksanakan Tanggungjawab Pendidikan Anak-anak: Satu Kajian Kawasan Sura, Dungun, Terengganu. Kertas kerja yang dibentangkan dalam Seminar Pembangunan Keluarga 2004, pp 1-6.
Nor, Z. M. (2022). Precarious Employment amongst Low Income Single Mothers in Malaysia: The Implications on Family Wellbeing. In E3S Web of Conferences (Vol. 339, p. 06009). EDP Sciences.
Nurul Liyana Sabri & Azlina Mohd Khir, (2020). CABARAN DAN FAKTOR KEJAYAAN USAHAWAN IBU TUNGGAL DI NEGERI PERAK, Jabatan Sains Kemasyarakatan dan Pembangunan, Fakulti Ekologi Manusia, Universiti Putra Malaysia. Malaysian Journal of Human Ecology (MJHE). 1 (3) 2020.
Rousou, E., Kouta, C., Middleton, N., & Karanikola, M. (2019). Mental health among single mothers in Cyprus: a cross-sectional descriptive correlational study. BMC women's health, 19(1), 1-11.
Saboori, B., Sulaiman, J. B., & Mohd, S. (2012). An empirical analysis of the environmental Kuznets curve for CO2 emissions in Indonesia: the role of energy consumption and foreign trade. International Journal of Economics and Finance, 4(2), 243-251.
Sassler, S., Cunningham, A., & Lichter, D. T. (2009). Intergenerational patterns of union formation and relationship quality. Journal of Family Issues, 30(6), 757-786.
Shears, N. T., & Babcock, R. C. (2007). Quantitative description of mainland New Zealand's shallow subtidal reef communities. Wellington, NZ: Science & Technical Pub., Department of Conservation.
Siti Rafiah, A. H., & Sakinah, S. (2013). Exploring single parenting process in Malaysia: Issues and coping strategies. Procedia Social and Behavioral Sciences, 84, 1154-1159.
Siti Marziah Zakaria, Nurul Shafini Shafurdin, Noremy Md. Akhir, Suzana Mohd Hoesni, dan Jamiah Manap. (2019). Cabaran Hidup Ibu Tunggal: Kesan Terhadap Kesejahteraan Emosi. Internatiol Journal Of Education Psychology and Counseling. Fakulti Sains Sosial dan Kemanusiaan, UKM, Bangi, Selangor.
Stack, R. J. & Meredith, A. (2018). The Impact of Financial Hardship on Single Parents: An Exploration of the Journey from Social Distress to Seeking Help. Journal of Family and Economic Issues.
Zaimah, R., Masud, J., Haron, S. A., Othman, M., & Sarmila, M. D. (2013). Financial well-being: Financial ratio analysis of married public sector workers in Malaysia. Asian Social Science, 9(14), 1.
Zaimah R., Abd Hair, A., & Sarmila M.S. (2016). Faktor-faktor penentu kesejahteraan kewangan pekerja di Malaysia. Journal of Social Sciences and Humanities,1, 229-240.
Zaimah, R., Sarmila, M.S., Azima, A.M., Suhana, S., Novel, L., Mohd Yusof, H., & Sivapalan, S. (2012). Tingkah laku kewangan guru di Bandar Baru Bangi, Selangor, Malaysia. Geografia: Malaysian Journal of Society and Space, 8(6), 42-48.
Zainal, N., Abdul Rahim, H., & Sabri, M. F. (2017). Kesejahteraan kewangan dalam kalangan ibu tunggal di Negeri Sembilan. Jurnal Pengguna Malaysia, 29, 38-50.
Zaini, S. (2014). Hubungan Spiritualiti, Religiositi, Sokongan Sosial ke atas Kesihatan Mental dalam kalangan Ibu Tunggal di Wilayah Persekutuan Kuala Lumpur. (Doktor Falsafah), Universiti Kebangsaan Malaysia, Bangi.
Zakaria Mohamad, Jasmi Abu Talib and Mazidah Mohd. Dagang, (2020) Effects of Visual Art Therapy on Cognitive Emotion Regulation and Anxiety of Single Mothers. International Journal of Management, 11 (6), pp. 891-904.
Zulu, H. T. (2017). A Study to Explore Single Mother’s Experiences in Raising their Children in Chibolya, Zambia (Master's thesis, Oslo and Akershus University College of Applied Sciences).
Published
2023-07-30
How to Cite
SYED MUHSIN, Sharifah Shahida; Z.M., Lukman.
Tahap Kesejahteraan Kewangan Ibu Tunggal Melayu di Terengganu.
International Journal of Advanced Research in Economics and Finance, [S.l.], v. 5, n. 2, p. 213-225, july 2023.
ISSN 2682-812X.
Available at: <https://myjms.mohe.gov.my/index.php/ijaref/article/view/23352>. Date accessed: 13 oct. 2024.
Section
English Section
