A Study on The Factors Impacting Retirement Planning Among Low-Income Workers in The Northern Region, Malaysia


 Since the world's ageing population is expanding quickly, retirement planning has been identified as one of top concerns all nations. As a developing country, Malaysia also touched by this issue. Particularly, among low income earners frequently contested because lack available financial resources them. Therefore, study aims to investigates factors influencing workers at Northern Region, Malaysia. This anticipated that saving attitude, socialisation, literacy, and demographic characteristics could have an impact on planning. A quantitative method with convenience sampling was applied in study. used online questionnaire collect primary data from working adults limited resources. Using SPSS, gathered examined. Multiple linear regression Pearson Correlation Analysis were both analysis. The findings demonstrate ethnicity state, well attitudes, substantial low-income employees Malaysia's Region. will give researchers, policymakers, governments, Employee Provident Fund detailed picture Region (EPF).