Determinant of willingness to take risk among individual in Kota Kinabalu

Lee, Yen Fong (2006) Determinant of willingness to take risk among individual in Kota Kinabalu. Masters thesis, Universiti Malaysia Sabah.

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Abstract

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.

Item Type:	Thesis (Masters)
Keyword:	Risk-taking behavior, Guarantor, Demographic factors, Socioeconomic factors
Subjects:	H Social Sciences > HG Finance > HG1-9999 Finance > HG8011-9999 Insurance > HG8053.5-8054.45 Insurance for professions. Malpractice insurance. Professional liability insurance
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/45136

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