Bachelor in Office System Management (Hons) (BM 232) : Dr. Angelina A/P Subrayan at Michael

BACHELOR IN OFFICE SYSTEM MANAGEMENT (HONS)
(BM 232)
ENGLISH FOR ORAL PRESENTATIONS

(ELC590)
PORTFOLIO INFORMATIVE SPEECH
TITLE:
FINANCIAL CONTROL AMONG YOUNG MALAYSIAN ARE STILL QUESTIONABLE
PREPARED FOR:
DR. ANGELINA A/P SUBRAYAN @ MICHAEL
PREPARED BY:
NUR FARHANA SHAFIKQA BINTI MOHD ZAIN 2016944871
CLASS:
NBS9A
DATE OF SUBMISSION:
13th DEC 2020
2016944871
Introduction
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Introduce topic Financial Control Among Young Malaysian
Credibility Finding from Jen Li Lim with Perbadanan
Insurans Deposit Malaysia (PIDM) and 1,525
Malaysians, 45% is from 30 to 35 and 55%
from 24 to 29 as regards with saving money.
Background of topic According to the Jen Li Lim and PIDM

surveyed, 78% have been saving part of their
income, and have positive savings habits
although 34% of them only started saving but
their total savings are meagre.
Central Idea The low savings among young millennials is

due to many factors despite the fact that they
have a work but having a low wage earners,
have high commitment and facing a high cost
of living
Body
Description of data 1. This pie chart illustrates the study that was
carried out from the age group between 24
(Chart 1)
to 35 years old in Malaysia
2. In the pie chart by gender, Male group lead

by 51% and 49% represent the female
group who is not saving their money
3. The bar chart for academic qualification

shows various percentage for Primary
level, Secondary level, Diploma/Degree
and Master’s degree and
above/professional Qualification
4. According to Monthly income bar chart, the

difference saving indicates the monthly
income they received.
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Analysis of data 1. Millennials at 30 to 35 having a difficulty to
saving, rather than young age at 24 to 29
(Chart 1) years old.
2. There was slightly fall for woman compared

to man for having a saving.
3. There was a fluctuating chart for academic

qualifications whereas for Primary level is
5% and somewhat higher for secondary
level by 25%. For Diploma/Degree
increase by 58% and Considerably lower
by 12% for Master’s degree and
above/professional Qualification
4. For people who earns Rm3000 and below

are the highest for not saving their money
and somewhat lower for Rm3001 to 6000
while far lower for people who earns
Rm9001 to 12,000 and above. Lastly, for
no monthly fixed income is 9%.
Description of data 1. This pie chart represents 78% savers and

22% non-savers.
(Chart 2)
2. The bar chart represents the amount that
they indicates to saving from their income
3. The fluctuating bar chart represent the

arrangement they distribute.
4. The chart shows a different for savers and

non-savers on how they achieve their goal
saving
Analysis of data 1. There was decline in 22% from 78% for

savers according to the pie chart
(Chart 2)
2. The bar chart shows the fluctuating for
people who are saving less than 32% and
little lower for 24% meanwhile somewhat
lower for more than 17% but increased
25% for young people who depends on
how much extra is left every month.
3. The chart shows the decrease for

arrangement that they have distribute
monthly where for emergency funds is the
highest for 68%, somewhat lower for
property, little lower for planning for a
family by 52%. Moreover, travel and
retirement is slightly lower by 2%. Lastly,
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for vehicle is dramatically lower 36%.
4. By saving their goals, the charts show 3

variables which is engage in freelance
work or side business is little lower by 52%
from 53% for non-savers, downgrade their
lifestyle and invest in education or
personal development is led by savers by
48%.
Description of data The bar chart shows the extent of change for
young Malaysian saving their income.
(Chart 3)
Analysis of data According to the bar chart, young Malaysian

which is 37% only have saving for less than 1
(Chart 3)
month’s income and there was a downward
movement by 24% for 1-3 months’ income.
Another 12 % is for 3 to 5 months and little
lower by 6% for 6 months to 1 year income
and climb up to 15% for not sure on how to
saving.
Conclusion
Conclusion Finding from Jen Li Lim and PIDM shows
that generally, the young Malaysians who
were surveyed have positive attitudes
towards saving. They have high savings
aspirations, and are willing to work hard or
make lifestyle changes to achieve them. The
low savings among young millennials is due to
many factors despite the fact that they have a
work but having a low wage earners and have
high commitment or cost of living
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Recommendation To make a young Malaysian to save more is
by using mobile phone apps and digital
platforms that can ‘gamify’ their personal
finance journeys. For example, use an app to
turn your savings goals into a mobile gaming
experience. Some apps and platforms can
also help you customize saving strategies to
reach the financial goals and always look at
the monthly spending
2016944871

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BACHELOR IN OFFICE SYSTEM MANAGEMENT (HONS)

ENGLISH FOR ORAL PRESENTATIONS

PORTFOLIO INFORMATIVE SPEECH

Background of topic According to the Jen Li Lim and PIDM

Central Idea The low savings among young millennials is

2. In the pie chart by gender, Male group lead

3. The bar chart for academic qualification

4. According to Monthly income bar chart, the

2. There was slightly fall for woman compared

3. There was a fluctuating chart for academic

4. For people who earns Rm3000 and below

Description of data 1. This pie chart represents 78% savers and

3. The fluctuating bar chart represent the

4. The chart shows a different for savers and

Analysis of data 1. There was decline in 22% from 78% for

3. The chart shows the decrease for

4. By saving their goals, the charts show 3

Analysis of data According to the bar chart, young Malaysian

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