小组作业.docx

INTI International University

MGT6208 STATISTICS AND DECISION ANALYSIS
MGT6208 统计与决策分析

Group Assignment
小组作业

JANUARY 2025
2025 年 1 月

Group Assignment – 30%
小组作业 - 30

Word Count: 3000 words + 10%
字数3000 字 + 10%

Submission Due date: Week 11- Sunday 23.59 (23^rd March 2025)
提交日期：第 11 周- 星期日 23.59（2025 年 3 月 23 ^rd 日）

The assignment should be done by a group of 4-5 members
作业应由 4-5 人组成的小组完成

Late submission penalty:
迟交罚款：

Warning: For each or any part of a day that the assignment is late, including weekends and statutory holidays and other days when the Faculty of Business, Communication and Law is closed, the student(s) will lose 20 per cent of the maximum possible value of the assignment.
警告：作业每迟到一天或一天中的任何一天，包括周末和法定节假日以及商业、传媒与法律系关闭的其他日子，学生将损失作业最高可能价值的 20%。

Group presentation;
小组发言；

All group members are required to participate in the presentation and failure to do so by the due date would result in automatic failure (0 mark) of this coursework.
所有小组成员都必须参加演讲，如果在截止日期前未能参加，则该课程作业自动不及格（0 分）。

Duration for the presentation: 20 minutes
演讲时间：20 分钟

The assignment:
任务

Key Drivers of Financial Retirement Planning Among Malaysia's Young Generation Based on Socioeconomic Status
基于社会经济地位的马来西亚年轻一代财务退休规划的主要驱动因素

Examines the factors influencing how young Malaysians prepare for their financial future, particularly in the context of their socioeconomic backgrounds. As the nation experiences rapid economic growth and changing societal norms, understanding retirement planning behavior becomes critical for ensuring long-term financial stability. This study explores how income levels, education, employment type, and cultural attitudes shape young people's financial priorities, savings habits, and investment strategies. It aims to uncover barriers and motivators, providing insights for policymakers, financial institutions, and educators to design targeted interventions that encourage proactive financial planning among the youth, fostering a financially secure future for Malaysia's next generation.
研究影响马来西亚年轻人如何为自己的未来做好财务准备的因素，特别是在他们的社会经济背景下。随着国家经济的快速增长和社会规范的不断变化，了解退休规划行为对于确保长期财务稳定至关重要。本研究探讨了收入水平、教育程度、就业类型和文化态度如何影响年轻人的财务优先事项、储蓄习惯和投资策略。研究旨在揭示阻碍因素和激励因素，为政策制定者、金融机构和教育工作者提供见解，以设计有针对性的干预措施，鼓励年轻人积极主动地进行财务规划，为马来西亚的下一代创造一个财务安全的未来。

You are required;
您需要

Conduct the survey, utilize the crafted questionnaire, ensuring a minimum of 150 participants who are Malaysian working adults aged 22 years and above. You can engage participants either in-person or through electronic means.
开展调查，使用精心制作的问卷，确保至少有 150 名 22 岁及以上的马来西亚在职成人参与调查。参与者可以亲自参与，也可以通过电子方式参与。

Submit a report which includes the following:
提交一份包括以下内容的报告

Abstract
摘要

(5 marks)
(5 分）

Introduction
导言

(5 marks)
(5 分）

Market Analysis (Literature on Financial planning)
市场分析（财务规划文献）

(15 marks)
(15分)

Data Analysis
数据分析

Keep all evidence of data collection for the verification purpose.
保留所有数据收集证据，以便核查。

(30 marks)
(30分)

Managerial Recommendations:
管理建议：

Provide your recommendation which is supported by your data analysis.
提出有数据分析支持的建议。

(20 marks)
(20 分）

Limitations and Suggestions for future market research
局限性和对未来市场研究的建议

(5 marks)
(5 分）

Presentation (20 Marks)
演讲（20 分）

Dear Participants:
亲爱的与会者们

This study is a requirement for the partial fulfilment of Master of Business management program (MBA) at the INTI International University. The purpose of this study is to establish the factors that influence consumer satisfaction with different mobile service providers in Malaysia.
本研究是 INTI 国际大学商业管理硕士课程（MBA）的部分要求。本研究旨在确定影响马来西亚消费者对不同移动服务提供商满意度的因素。

This questionnaire is divided into two short sections that should take only a few moments of your time to complete. Please respond by ticking the appropriate box or filling in your answers in the blank spaces provided. This is an academic exercise and all information collected from respondents will be treated with strict confidentiality.
本问卷分为两个小部分，您只需花几分钟时间即可完成。请在相应的方框内打勾或在空白处填写答案。这是一项学术活动，从答卷人处收集的所有信息都将严格保密。

Thank you very much for your cooperation.
非常感谢你们的合作。

Key Drivers of Financial Retirement Planning Among Malaysia's Young Generation Based on Socioeconomic Status
基于社会经济地位的马来西亚年轻一代财务退休规划的主要驱动因素

Dear Participant,
亲爱的与会者

Thank you for participating in this research study on the determinants of financial planning among young Malaysians. Your responses are crucial in helping us understand the factors that influence financial planning behaviors in our community. Please answer the following questions to the best of your ability. Your responses will be kept confidential and used for research purposes only.
感谢您参与这项关于马来西亚年轻人财务规划决定因素的研究。您的回答对于帮助我们了解影响社会中财务规划行为的因素至关重要。请尽力回答以下问题。您的回答将被保密，仅用于研究目的。

Section A: Demographics Profile
A 部分：人口概况

Gender:
性别

Male
男

Female
女性

Age:
年龄

21-30 years old
21-30 岁

31-40 years old
31-40 岁

41-50 years old
41-50 岁

51-60 years old
51-60 岁

Marital Status:
婚姻状况：

Single
单人

Married with children
已婚，有子女

Married without children
已婚，无子女

Divorced or Widows
离婚或丧偶

Ethnicity
种族

Malay
马来语

Chinese
中文

Indian
印度语

Others
其他

Education Level
教育程度

Secondary school
中学

Diploma
文凭

Bachelor Degree
学士学位

Master Degree
硕士学位

Others
其他

Household Size
家庭规模

Less than 5 persons
少于 5 人

5-7 persons
5-7 人

8 or more persons
8 人或以上

Employment Sector:
就业部门：

Government sector
政府部门

Private sector
私营部门

Self-employed
自营职业者

Others
其他

Years in Service
服务年限

1-10 years
1-10 年

11-20 years
11-20 岁

21-30 years
21-30 岁

31-40 years
31-40 岁

Monthly Income:
月收入：

Below RM 1500
低于 1500 马币

RM 1501-RM 3000

RM 3001- RM 5000

RM 5001 – RM 10000
RM 5001 - RM 10000

More than RM 10000
超过 10000 马币

Monthly Household income
家庭月收入

RM 1000-RM 3000
1000-RM 3000

RM 3001- RM 6000

RM 6001 – RM 10000
6001 - 10000 卢比

RM 10001-RM 20000

More than RM 20000
超过 20000 马币

Monthly household expenses
每月家庭开支

RM 700-RM 1500

RM 1501- RM 3000

RM 3001 – RM 6000
RM 3001 - RM 6000

RM 6001-RM 12000

Section B
B 节

In this section we would like to know your perceptions on retirement planning and the variables contributing to retirement planning. Please circle the number that indicates your degree of agreement.
在本部分中，我们想了解您对退休规划的看法以及影响退休规划的变量。请圈出表示您同意程度的数字。

1	2	3	4	5
Strongly Disagree 非常不同意	Disagree 不同意	Neutral 中性	Agree 同意	Strongly Agree 非常同意

Section B1: Financial Literacy
B1 部分：金融知识

Statement 声明	1	2	3	4	5
I know about the interest rate charged by the bank with the amount of the loan provided. 我知道银行根据贷款额度收取的利率。
I am aware of other investment alternatives (stocks, properties, etc.). 我了解其他投资方式（股票、房产等）。
I am aware that I need to have sufficient future periodic passive income during retirement. 我知道，我需要在退休后定期获得足够的被动收入。
I understand that I have to manage my 我知道我必须管理我的 present and future expenses and liabilities. 现在和未来的开支和负债。
I know that the retirement fund is not only to provide enough income for me but also for my dependents. 我知道，退休基金不仅要为我自己提供足够的收入，还要为我的受抚养人提供足够的收入。
I know how much retirement fund I need for 我知道我需要多少退休基金 my retirement. 我的退休生活
I know that I must establish my retirement goals and objectives. 我知道，我必须确定自己的退休目标和目的。
I know how the inflation rate is calculated. 我知道通货膨胀率是如何计算出来的。

Section B2: Savings Behavior
B2 部分：储蓄行为

Statement 声明	1	2	3	4	5
I will open a savings account to save money. 我会开设一个储蓄账户来存钱。
I will not waste money on buying expensive things. 我不会把钱浪费在买昂贵的东西上。
I will save money for my future emergency fund. 我会为我未来的应急基金存钱。
I will save money to do some investments. 我会存钱做一些投资。
I will do a planning for vacation; however, I will save money. 我会为假期做一个规划；不过，我会省钱。

Section B3: Attitudes towards Retirement
B3 部分：对退休的态度

Statement 声明	1	2	3	4	5
I tried hard to get information about retirement. 我努力想了解有关退休的信息。
I will set specific goals for how much will need to be saved for retirement. 我会为退休后需要储蓄多少钱设定具体目标。
I think a great deal about quality of life in retirement. 我非常注重退休后的生活质量。
I have clear vision of how life will be in retirement. 我对退休后的生活有清晰的规划。
I set clear goals for gaining information about retirement. 我为获取退休信息设定了明确的目标。
I will discuss retirement plans with spouse, friend or significant other. 我会与配偶、朋友或另一半讨论退休计划。
The payoffs for retirement are in the distant future and the promise of pleasure tomorrow can mean pain today. 退休的回报在遥远的未来，明天的快乐承诺可能意味着今天的痛苦。
I intend to make plans for what I am going to do as soon as I retire. 我打算一退休就为自己的未来制定计划。

Section B4: Healthy Habits Perceptions
B4 部分：健康习惯认知

Statement 声明	1	2	3	4	5
I eat breakfast before I start my day. 我每天开始工作前都会吃早餐。
I avoid drinking sugar – sweetened beverages. 我避免喝加糖的饮料。
I eat portion of fruits / vegetables daily. 我每天都吃一定量的水果/蔬菜。
I get at least 7 hours of sleep per night. 我每晚至少睡 7 个小时。
I do exercise regularly, at least once a week. 我经常锻炼，每周至少一次。
I do regularly contribute towards my medical insurance / takaful. 我定期缴纳医疗保险/回教保险费。

Section B5: Retirement Planning
B5 部分：退休规划

Statement 声明	1	2	3	4	5
I know the amount of money I need for retirement. 我知道退休后需要多少钱。
I usually read articles, books and brochures or surf the internet to learn about retirement planning. 我通常通过阅读文章、书籍和小册子或上网来了解退休规划。
I participate in workshops/ seminars on retirement planning. 我参加有关退休规划的讲习班/研讨会。
I spend time planning and reviewing my finance. 我花时间规划和审查我的财务。
I regularly contribute to a voluntary retirement savings plan. 我定期向自愿退休储蓄计划缴款。
I make conscious effort to save for retirement. 我有意识地为退休储蓄。
I saved accordingly based on how I plan to live my life in retirement. 我根据自己退休后的生活计划进行了相应的储蓄。
I usually discussed with my family or friends about retirement planning. 我通常会与家人或朋友讨论退休计划。

Thank you for taking the time to complete this questionnaire. Your participation is greatly appreciated and will contribute to valuable insights in our research.
感谢您抽出时间填写本问卷。非常感谢您的参与，您的参与将为我们的研究提供宝贵的见解。