A researcher is intended to study on financial problems faced by Malaysian household in Penang, Malaysia. The literature on financial problems indicated that household who face financial problems is because of high amount of debt, poor investment, low income and poor financial management skills. This phenomena is supported by Endut and Hua (2009), whereby Malaysian household tends to be more concern about their financial matters in the future.

Based on the situation above:

1. Define the underlying problem.

[2 marks]

2. Draw the research framework based on the variables involved in this scenario.

[6 marks]

3. Based on the theoretical framework that you develop in state any FOUR (4) research hypothesis for the study.

[4 marks]

(d) Interpret the following SPSS output of Simple Linear Regression with independent variable (service quality) and dependent variable (student satisfaction). Give any FOUR (4) relevant points on Simple Linear Regression interpretation.

Variable	R	R	B	Beta	F	t	Sig.
Service Quality	0.245	0.060	0.267	0.245	10.820	3.289	.001*
*p = < 0.05

[8 Marks]