Kualiti hidup dan kesejahteraan belia: Kajian ke atas pekerja sektor awam Malaysia (Quality of life and the youth well-being: A case study of Malaysian public sector employees)

Abstract

Kualiti hidup dan kesejahteraan adalah satu konsep yang saling melengkapi, sehinggakan ada pihak yang menerima dan menggunakannya secara tukar-ganti. Namun begitu, ianya boleh dibezakan daripada cara pengukuran, iaitu kualiti hidup biasanya diukur secara objektif dan kesejahteraan diukur subjektif. Sehubungan itu, kertas ini bertujuan membincangkan tahap kualiti hidup dan kesejahteraan belia berkahwin dan bekerja dalam sektor awam. Tahap kualiti hidup belia diukur berdasarkan kepada pendapatan bulanan, tahap pendidikan, pemilikan rumah dan pemilikan produk kewangan. Sementara tahap kesejahteraan belia diukur berdasarkan persepsi belia ke atas kepuasan terhadap situasi kewangan semasa. Hasil kajian menunjukkan purata pendapatan bulanan responden ialah RM2,840.00. Kebanyakan responden mempunyai tahap pendidikan peringkat ijazah dan hanya sekitara 40 peratus daripada mereka memiliki rumah sendiri. Daripada segi pemilikan produk kewangan pula, sebahagian besar responden mempunyai simpanan, baik simpanan biasa mahupun simpanan kecemasan. Sementara itu, tahap kepuasan kewangan belia berkahwin terhadap situasi kewangan semasa mereka adalah sederhana.

Katakunci: belia berkahwin, kesejahteraan, kepuasan kewangan, kualiti hidup, pemilikan rumah, produk kewangan

Quality of Life (QOL) and well-being (WB) are practically interchangeable concepts but may be distinguished by the manner they are measured : the QOL normally objectively and the WB subjectively. Given this distinction this paper discusses the QOL and WB of married youths who worked in Malaysia’s public sectors. The QOL was measured in terms of monthly income, educational attainment, home ownership and capital ownership. The WB was measured by gauging the youths’ perception of the state of their own current financial situations. Results revealed that the respondents’ monthly incomes averaged RM2,840.00. The majority of them held a university degree yet only 40 per cent of them managed to own a house. With respect to capital ownership the majority of the respondents did have some savings including savings for emergencies. All in all, the married youths perceived their current financial state as moderately satisfactory.

Keywords: financial products, financial satisfaction, home ownership, married youths, Quality of Life, well-being