1.1 BACKGROUND OF STUDY
Study loan is crucial for all students that they earn in order to spend it on things they want. Without study loan, it will be a burden for students to pay their tuition. The allowance that given, it help students to study with minimum financial worries.
For MARA student, they will apply MARA loan as their allowance. Diploma and degree student will get different amount of allowance.
Based on the above, mostly KPTM student will apply MARA as their allowance. For KPTM Kuala Lumpur student, diploma student will get RM630 per month and degree student will get RM700 per month. This allowance will help their financial problems and their parents’ burden will decrease.
1.2 STATEMENT OF THE PROBLEM
1.1.1 Manage Money
The student cannot manage their MARA allowance properly. It is because they did not know which is need and want. They also need to pay their house rent for those who stay outside the hostel, and hostel rent. The also will spend it on unusable things like adult’s magazines, brands clothes, accessory, domestic, drinks, and smoking.
Most of the students spend their time with entertainment such as watch movie, dance, karaoke, sport, and hangout. They will use the allowance for the unnecessary things. As a student, they should save their money for important things like pay bill, eat and so on.
1.3 SCOPE OF STUDY
KPTM is the biggest Bumiputera private educational institution with more 12 5000full time students. KPTM had over 7 campuses, which is Kuala Lumpur as the main campus. Bangi, Kuantan, Kota Bharu, Alor Setar, Ipoh, Batu Pahat and Semporna are the branches in KPTM. KPTM was offered five programs for student which is diploma, degree, professional, pre-diploma and certificates. (KPTM, 2012)
The scope of study for this research is student Kolej Poly-tech Mara Kuala Lumpur or KPTM Kuala Lumpur. KPTM Kuala Lumpur had reach over 7000 student per year. KPTM Kuala Lumpur offered 3 programs. For diploma, it has seven courses which is Diploma in Business Information Technology, Diploma In Computer Science, Diploma In Corporate Communication, Diploma In Corporate Communication, Diploma in Teaching of English As a Second Language (TESL), Diploma in Human Resource Management, Diploma in Accounting and Finance....