Harga Diri, Niat Menambah Pinjaman Dan Gelagat Perbelanjaan Individu Muslim Berpendapatan Rendah Di Sektor Perladangan


  • Dicky Wiwittan Toto Ngadiman Jabatan Perdagangan, Politeknik Kota Kinabalu, 88450, Malaysia
  • Hainnur Aqma Rahim Pusat Kajian Pengurusan Pembangunan Islam, Universiti Sains Malaysia,11800 USM Penang, Malaysia http://orcid.org/0000-0003-4659-6682
  • Salmy Edawaty Yacoob Fakulti Pengajian Islam, Universiti Kebangsaan Malaysia, 43600 UKM, Bangi Selangor, Malaysia
  • Hairunnizam Wahid Fakulti Ekonomi & Pengurusan, Universiti Kebangsaan Malaysia, 43600 UKM, Bangi Selangor, Malaysia




Self-esteem, intention to increase loan, spending bahavior, tahsiniyyat, low-income


The importance of self-esteem cannot be underestimated. According to many previous researchers, self-esteem affects people behavior and thoughts. It changes how people feel about and value themself. It affects their confidence, and that can affect their success and thinking in a big way. Therefore, the objective of this study is examines the influence of self-esteem towards the intention of increasing the loan and the spending behavior of tahsiniyyat goods among the low-income people in plantation sector in Sabah. The study utilized data obtained from questionnaires that have been completed by 378 low-income people in Felda, Sabah.  The data analysis was carried out through Partial Least Squares-Structural Equation Modeling (PLS-SEM) techniques by using the SmartPLS 2.0 M3 software. The results revealed that there is a significant relationship between self-esteem with intention to increase their loans. We also observe that generally low-income people in plantation sector have spent their loan in tahsiniyyat goods. Results of this study suggest it is important for policymakers to increase financial literacy of low-income people by implementing various financial education programs so that they student can spent their loan wisely.

Author Biography

Hainnur Aqma Rahim, Pusat Kajian Pengurusan Pembangunan Islam, Universiti Sains Malaysia,11800 USM Penang, Malaysia

Pusat Kajian Pengurusan Pembangunan Islam


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How to Cite

Toto Ngadiman, D. W., Rahim, H. A., Yacoob, S. E., & Wahid, H. (2019). Harga Diri, Niat Menambah Pinjaman Dan Gelagat Perbelanjaan Individu Muslim Berpendapatan Rendah Di Sektor Perladangan. UMRAN - International Journal of Islamic and Civilizational Studies, 6(1), 49–61. https://doi.org/10.11113/umran2019.6n1.276