Nizah Ismat (2011) The influence of demographic factors on retirement planning among teachers in the district of Beaufort. Masters thesis, Universiti Malaysia Sabah.
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Abstract
The main objective of this study is to understand the influence of demographic factors on retirement planning for teacher's survival in the golden age. Not everybody is ready for retirement planning. Teacher's saving attitudes towards retirement might not be alike. Hence, the study is conducted to find out whether teacher's age, gender, income and education level are influencing their plan for retirement. Unlike the previous study, school teachers were been chosen as tested population for this study. As a developing small town in west coast of Sabah, Beaufort was been taken as the focus area for this study. In research methodology, demographic factors which are consisting of age, gender, incomes and education level are independent variable (IV). Dependent variable (DV) is retirement planning. There were 300 distributed questionnaire and only 230 were returned and analyzed using SPSS 17. For hypothesis testing, there were five hypotheses that have been tested to find out the significant relationship between demographic factors and retirement planning. As for findings, the multiple regressions showed that the two hypotheses are rejected and three hypotheses are not to be rejected. All the independent variables were significantly correlated with the dependent variable; retirement planning. After the discussion has been made, the implications, limitations and recommendations are also been discussed for future study to make it more relevant and reliable for the appropriate result and findings that can achieve the objectives of the research.
| Item Type: | Thesis (Masters) |
|---|---|
| Keyword: | Retirement planning, Teachers, Demographic factors, Savings attitudes, Golden age |
| Subjects: | H Social Sciences > HQ The family. Marriage. Woman > HQ1-2044 The Family. Marriage. Women > HQ503-1064 The family. Marriage. Home > HQ1060-1064 Aged. Gerontology (Social aspects). Retirement |
| Department: | SCHOOL > School of Business and Economics |
| Depositing User: | DG MASNIAH AHMAD - |
| Date Deposited: | 03 Sep 2025 10:53 |
| Last Modified: | 03 Sep 2025 10:53 |
| URI: | https://eprints.ums.edu.my/id/eprint/45132 |
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