Determinant of willingness to take risk among individual in Kota Kinabalu
The objective of this study is to examine the determinant of risk taking among individual when they decided to become a guarantor. Factors used to determine this dissertation of research are demography, socioeconomic and psychology. Demography factors consist of age, gender, marital status and educa...
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| Format: | Thesis |
| Language: | English English |
| Published: |
2006
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| Online Access: | https://eprints.ums.edu.my/id/eprint/45136/1/24%20PAGES.pdf https://eprints.ums.edu.my/id/eprint/45136/2/FULLTEXT.pdf https://eprints.ums.edu.my/id/eprint/45136/ |
| Abstract | Abstract here |
| Summary: | The objective of this study is to examine the determinant of risk taking among individual when they decided to become a guarantor. Factors used to determine this dissertation of research are demography, socioeconomic and psychology. Demography factors consist of age, gender, marital status and education level while socioeconomic factors consist of income level and financial knowledge. Psychological factors consist of birth order, personality and risk perception. The sample for this study comprises of citizens in Kata Kinabalu. For the purpose of this study, self-designed and mostly adopted questions were used as the main research instrument in the questionnaires. This research had developed ten hypotheses. From the result of the analysis, it found that individuals in Kota Kinabalu are moderate when they confront of risk. Only gender and financial knowledge show relationship to willingness to take risk therefore theses two hypotheses were substantiated. This study hoping that the result and findings can create awareness about the willingness to take risk as a guarantor and can be used as additional inputs for creditors or practitioners to determine the factors influencing the willingness of taking risk. |
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