Pandemik COVID-19 telah memberikan kesan kepada perkembangan ekonomi digital dan telah meningkatkan pertumbuhan ekonomi GIG. Perkembangan ini mengubah cara pekerjaan tradisional dan memberikan peluang dalam penjanaan pendapatan dan fleksibiliti. Namun begitu, pekerjaan GIG ini tidak menyediakan perlindungan pekerjaan dengan aliran pendapatan yang tidak menentu serta tiada laluan kerjaya yang jelas. Perkara ini telah menjejaskan kestabilan kewangan mereka dan boleh menyebabkan mereka mengalami kerentanan kewangan. Justeru itu, kajian ini akan mengukur tahap kerentanan kewangan dalam kalangan pekerja GIG di Selangor. Selain itu, kajian ini turut menguji perbezaan tahap kerentanan kewangan dengan status pekerjaan, pendapatan, simpanan dan hutang pekerja GIG. Kajian ini menggunakan pendekatan kuantitatif melalui teknik pensampelan bertujuan. Soal selidik digunakan sebagai alat pengumpulan maklumat. Responden kajian ini terdiri daripada 230 orang pekerja GIG di Selangor yang menerima bantuan inisiatif RiDE. Hasil kajian menunjukkan tahap kerentanan pekerja GIG di Selangor adalah sederhana. Kajian juga menunjukkan bahawa pekerja GIG sepenuh masa mengalami tahap kerentanan kewangan lebih tinggi berbanding pekerja GIG separuh masa. Pekerja GIG yang mempunyai pendapatan rendah dan kurang atau tidak mempunyai simpanan akan mengalami kerentan kewangan lebih tinggi secara relatif. Seterusnya pekerja GIG yang mempunyai pinjaman yang banyak juga didapati mempunyai tahap kerentanan kewangan yang tinggi dan sebaliknya. Implikasi kajian ini menunjukkan betapa pentingnya pekerja GIG mempunyai pekerjaan yang lebih stabil. Dalam masa yang sama, mereka juga perlu menambah pengetahuan berkaitan kewangan dan mengamalkan tingkah laku kewangan yang positif dalam menangani situasi ketidakstabilan pekerjaan mereka. Campurtangan pihak berkepentingan juga amat diperlukan dalam menjamin kesejahteraan kewangan pekerja GIG.

Kata Kunci: Pendapatan; simpanan; hutang; kerentanan kewangan; pekerja GIG

Abstract: The COVID-19 pandemic has had an impact on the development of the digital economy, as well as increasing the growth of the GIG economy. These developments are changing traditional ways of working while also providing opportunities for income generation and flexibility. However, these GIG jobs do not provide job security with an uncertain income stream and no clear career path. This has impacted their financial stability and may cause them to become financially vulnerable. Therefore, this study will measure the level of financial vulnerability among GIG workers in Selangor. Additionally, this study will examine the correlation between the level of financial vulnerability and the employment status, income, savings, and debt of GIG workers. This study uses a quantitative approach through a purposive sampling technique. We use questionnaires as an information gathering tool. This study's respondents were 230 GIG workers in Selangor who received assistance from the RiDE initiative. The study's findings indicate that GIG workers in Selangor are moderately vulnerable. Studies also show that full-time GIG workers experience higher levels of financial vulnerability than part-time GIG workers. GIG workers who have a low income and little or no savings will experience a relatively higher level of financial vulnerability. Subsequently, the study reveals that GIG employees with a high debt load also exhibit heightened financial vulnerability, and vice versa. The implications of this study show how important it is for GIG workers to have a more stable job. Simultaneously, they must enhance their financial knowledge and adopt positive financial behaviors to manage their job instability. Stakeholder intervention is also essential in ensuring the financial well-being of GIG employees.

Keywords: Income; savings; debt; financial vulnerability; GIG workers

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