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Kos Perbelanjaan Perumahan dalam Kalangan Penduduk Kawasan Perumahan Kos Rendah dan Sederhana di Pulau Pinang (Housing Consumption Cost among the Residents in Low and Middle Cost Housing Areas in Penang)

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Title Kos Perbelanjaan Perumahan dalam Kalangan Penduduk Kawasan Perumahan Kos Rendah dan Sederhana di Pulau Pinang (Housing Consumption Cost among the Residents in Low and Middle Cost Housing Areas in Penang)
 
Creator Yusof, Nooriah
Jamaluddin, Zakiyah
 
Subject Humanities; Geography; housing
 
Description Kos perbelanjaan perumahan merujuk kepada semua bentuk perbelanjaan setiap bulan yang ditanggung oleh penghuni yang meliputi kos bayaran pinjaman atau sewa rumah, utiliti, bayaran perkhidmatan dan lain-lain kos yang berkaitan perumahan. Tanggungan atau bebanan yang perlu dipikul dalam memperuntukkan pendapatan bagi mengurus kos perumahan merupakan antara faktor penting yang boleh mempengaruhi kesejahteraan hidup penghuni. Ini kerana perbelanjaan atau kos mengurus perumahan merupakan item perbelanjaan yang paling besar dalam perbelanjaan kebanyakan keluarga atau individu dan sekiranya berlaku perubahan terhadap harga atau sewa rumah (kenaikan) akan memberi kesan yang besar terhadap perbelanjaan bukan-perumahan yang lain. Fokus makalah  ini adalah untuk menilai persepsi penghuni di perumahan kos rendah dan sederhana dalam bandar di Pulau Pinang terhadap kemampuan menanggung  kos perbelanjaan perumahan pada masa kini dan masa hadapan serta kesannya terhadap kesejahteraan hidup mereka. Perbincangan yang dibuat adalah berdasarkan hasil kajian empirikal yang menggunakan kaedah kuantitatif melalui edaran borang soal selidik yang melibatkan responden seramai 400 orang. Hasil kajian mendapati majoriti responden memperuntukkan lebih daripada 30 peratus daripada pendapatan mereka untuk kos perbelanjaan perumahan dan mengangap ianya adalah membebankan. Malahan terdapat segelintir responden yang tidak dapat membuat bayaran tepat pada masanya. Ini telah menyebabkan mereka terpaksa mengawal perbelanjaan, mendapatkan pinjaman daripada pihak lain atau melakukan pekerjaan tambahan bagi meneruskan kelangsungan hidup. Fenomena sosial ini penting untuk diselidiki dan difahami kerana ianya boleh memberi kesan terhadap kualiti hidup masyarakat. Penduduk berpendapatan rendah dan sederhana ternyata menerima kesan ketara apabila kos perbelanjaan perumahan menjadi semakin mahal dan membebankan.Kata kunci: Kos perbelanjaan perumahan; pendapatan; beban; kemampuan; kawasan bandarAbstractHousing consumption cost refers to all forms of monthly expenses incurred by residents which include the cost of loan payments or rent, utilities, service fees and other housing-related costs. Obligations or the burden to be shouldered in the allocated income to manage the cost of housing is one of the important factors that could affect the well-being of residents. This is because the expenses or cost of managing a house is the biggest expenditure item in the budget of most families and individuals. Changes to the price or increase in the rent will give a huge impact on non-housing expenses. The focus of this article is to evaluate the perception of the residents of the low and medium-cost housing in urban areas in Penang regarding their ability to bear the cost of managing the house at present and in the future and its impact on their affordability. The discussion in this article is based on the results of empirical study obtained using quantitative method through the distribution of questionnaires involving total of 400 people. The findings show that the majority of respondents have allocated more than 30 percent of their income for housing consumption cost and consider it to be burdensome; a few have difficulty in making timely payments. This has led them to control spending, get loans from the bank or family or do additional work to continue their survival. This social phenomenon is important to be investigated and understood as it can affect the quality of life of the community. Low and medium income households have had a noticeable impact when the cost of housing expenditure has become increasingly expensive and burdensome.Keywords: Housing consumption cost; income; burden; affordability; urban areas
 
Publisher UNIVERSITI KEBANGSAAN MALAYSIA
 
Contributor Geran Penyelidikan RU-USM
 
Date 2018-05-02
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Peer-reviewed article
 
Format application/pdf
 
Identifier http://ejournal.ukm.my/akademika/article/view/18674
 
Source Akademika; Vol 88, No 1 (2018): Akademika 88
0126-8694
0126-5008
 
Language eng
 
Relation http://ejournal.ukm.my/akademika/article/view/18674/7741
http://ejournal.ukm.my/akademika/article/downloadSuppFile/18674/8639
http://ejournal.ukm.my/akademika/article/downloadSuppFile/18674/8640
 
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