Financial Problems among International Students: Mixed Data Survey and Critical Reflection

This paper discusses the financial problems faced by international students through mixed data survey and critical reflection. The questionnaires used for the survey are discussed along with ethical considerations and suggested changes. The paper concludes that accommodation and food are the major contributors to the financial problems faced by international students.

PUB600
Financial Problems among international students
Task 3 – Mixed data survey and critical reflection
0 | P a g e

PUB600
Executive Summary
Questionnaires is one of the vital and the crucial activity in the research paper for gaining
effective information and valuable understanding regarding the research study. Closed-ended as
well as the open-ended questionnaires to the respondents for gathering effective understanding
regarding the research study on the facts that international students are facing financial problem
within the market. The researcher have to maintain the ethics and other factor regarding the
questionnaires and field survey for gathering the information from the field.
1 | P a g e

PUB600
Table of Contents
Introduction.................................................................................................................................................2
Research project information sheet..............................................................................................................2
Instruction for the participant to complete the questionnaires.....................................................................2
Original Questionnaires...............................................................................................................................2
Revised Questionnaires...............................................................................................................................3
Discussion and Justification........................................................................................................................3
Ethical consideration for design and administration of questionnaires....................................................3
Questionnaire administration, design and format considerations.............................................................3
Summary of suggested questionnaires changes.......................................................................................4
Justification of changes made/rejected to questionnaires.........................................................................5
Conclusion...................................................................................................................................................6
References...................................................................................................................................................7
Appendices..................................................................................................................................................9
2 | P a g e

PUB600
Introduction
The purpose of the paper is to provide information regarding the mixed data survey as well as
critical reflection on the financial problem among the international students. The paper will also
discuss on the questionnaires formed for the survey.
Research project information sheet
The research is being formed on the financial problem among the International students by the
researcher and the chief investigator from the university. The research is being formed by the
help of mixed survey where both the quantitative as well as the qualitative information has been
provided in the research paper.
Instruction for the participant to complete the questionnaires
The survey is being effectively completed by the help of suitable questionnaires to the local as
well as the international university students in Australia. In the survey, effective questionnaires
regarding the demographic information than 5 closed question as well as 3 open question are
being asked. According to the demographic information most students are from international
level with medium family income and mostly there age is within 20 to 30 years.
Original Questionnaires
Closed-ended Questions
1. How long you have been in the country? a) less than 6 month; b) 6 month to 1 year; c) 1-
3 years; d) 3-5 years; e) above 5 years
2. How much did you spend per week? a) below 300 dollar; b) 300-500 dollar; c) 500-800
dollar; d) 800-1000 dollar; e) above 1000 dollar
3. Type of accommodation you live in? a) share house; b) apartment; c) Hostel; d)
homestay; e) other
4. Do you cook food or eat out? a) cook; b) eat out
5. What are your modes of transportation? a) taxi; b) bus; c) car; d) walking; e) bicycle
Open-ended questions
1. Do you have any extra source of income apart from your family?
2. Do you get any government loan for your education or another service?
3 | P a g e

PUB600
3. What is the employment condition of an international student in the country?
Revised Questionnaires
The questionnaires are all quite effective for getting adequate information regarding the financial
problem faced by international students. This is the major fact that there are no such revised
questions regarding the survey within the field. But the revised question that were provided are
as follows;
1. Do you perform any part-time job? a) yes; b) no
2. If you are having part-time or the full-time job, then what is the appropriate wages? a)
10-15 dollar/hour; b) 15-20 dollar/hour; c) 20-25 dollar/hour; d) more than 25 dollar/hour
3. How often do you visit your country? a) very often; b) sometime; c) rarely
4. Did your income level support your living within the country?
Discussion and Justification
Ethical consideration for design and administration of questionnaires
The ethical consideration of the questionnaires begins with the design. It can be seen that the
research question rather the survey question along with the objectives needs to be clear. All the
questions should be clear and precise to the respondents so that they are not able to get tricked by
the people and gather unwanted information13. In the term of ethics and administration, it can be
seen that the most essential factor is to provide accurate information to the respondents regarding
the purpose of the research paper. Another ethical consideration within the design along with the
administration of the questionnaires is the confidentiality of information gathered from the
respondents11. It is highly essential that the researcher maintain confidentiality as this support the
respondents to provide effective view regarding the process. Maintaining the ethics within each
of the steps for the research questionnaires is essential to maintain a fair survey for gathering
information regarding the development of successful research study. Ethics are considered to be
the norms for conducting that distinguish between the wrong as well as right deeds in the
research paper4. The research needs to follow the appropriate guideline regarding human rights
than the compliance with the law along with the conflicts of interest than the health standard and
much more. The ethical issue is the vital aspect of performing all type of research survey within
the field14. The ethical consideration for conducting the survey research within the field is
4 | P a g e

PUB600
essential for the development of respect as well as the justice for the participants. It is one of the
most vital and the crucial activity for performing a various working function within the field and
also for the development of valuable information regarding the research study.
Questionnaire administration, design and format considerations
The design, administration as well as the format regarding the formation of the questionnaires
provide an effective view on the financial problems that are being faced by most of the
international students6. It can be seen that mostly the international students came on the basis of
donation and the sponsorship and they do not have the high or prosperous family background.
The questionnaire is designed in such a way that it will help to provide understanding regarding
the spending of the student and also their accommodation type will help to understand about
their money spending level within the market8. Furthermore, it is the clear fact that international
students are not applicable to any type of government loan. The tuition fees and other activity
within the country are much higher for the international student as compared that with the local
students. The design as well as the format of the questionnaire help to provide the most valuable
and effective view regarding the financial status and the issue faced by the international student
in the foreign country3. Moreover, it can be seen that the cost of exchange rate within the country
is also high which leaves little amount to the student for their spending within the country. The
questionnaires allow the researcher to have the most effective and the vital information regarding
the business development and the working function within the firm for the betterment of the
valuable working function9. The consideration for the questionnaire administration than the
design as well as the format allows the researcher to gather effective view regarding the financial
problem faced by the international student with the help of the closed-ended as well as the open-
ended questionnaires. The financial problem also leads to other problems like poor
accommodation facilities and much more.
Summary of suggested questionnaires changes
The questionnaires that were provided as the original and the basic are considered to be almost
perfect for gathering the information regarding the financial problem faced by the international
students. The questionnaire on the level of spending and also the accommodation facilities
provide an effective view of the valuable working function of the firm within the field15. The
summary of the suggested questionnaires is to gather information regarding the income level of
5 | P a g e

PUB600
the student family and also regarding the way of getting an international education. There is also
the various way that would help the researcher to get an effective view of the financial problem
faced by the students like their home education than their living in the country10. Another
effective suggestion for the suitable and valuable questionnaires like the students perform any
part-time work to support their living in a foreign country and also questionnaires regarding the
wages and the working condition in the country. The questionnaires are formed in the most
suitable way to gather the most appropriate and the accurate information from the respondents
mainly in term of the closed-ended questions. It is the primary fact that the international students
always face the issue regarding their finance and the information can be easily gathered by
simply discussing with them regarding the lifestyle and their living of standard in the foreign
country12. Then there are also some other suggested questionnaires like the price of the book they
get for their education and also information regarding the number of time for transportation and
much more. It is the fact that there is numerous option and which will eventually provide the
view on the financial problem faced by the international students2. This suggestion effectively
allows the researchers to understand the various type of questions that could be utilized within
the survey.
Justification of changes made/rejected to questionnaires
None of the changes are made to the questionnaires due to the fact that the formed questionnaires
have the ability to provide a valuable view on the financial problem of the students in the foreign
country1. The formed questions help to gather knowledge regarding the accommodation facilities
that the students have within the country and also their spending for a week is the most valuable
concept to understand regarding their financial problem. The suggestion is also rejected because
most of the question are formed as similar to the suggestion provided. For maintaining the
effective and valuable questionnaires within the survey the most vital and the crucial activity is
to understand the design and the formation for the questions5. Closed-ended questions are vital as
they provide the accurate information that the researcher was generally found. This type of
questionnaires also helps to perform the statistics in a better way for the research study. On the
other hand, the open-ended questionnaires provide the eligibility and the scope to the
respondents to share their view widely regarding the situation with the researchers7. Therefore,
the questions formed by the researcher to get the information and the data from the students are
6 | P a g e

PUB600
quite effective to maintain the statistics and information for the international students. The
suggestion is being effectively provided for the research question as the concept is wide where
most of the students in the foreign country faced the financial problem regarding their
accommodation than their food and other activity for the daily living.
7 | P a g e

PUB600
Conclusion
The paper concludes the fact that questionnaires are the vital aspect of gaining the suitable and
the appropriate information regarding the facts of financial problem that has been faced by the
students. It can be also concluded that most of the issue is regarding the accommodation and
food that lead to the poor health condition of the student.
8 | P a g e

PUB600
References
1. Shim S, Serido J, Lee S. Problem-Solving Orientations, Financial Self-Efficacy, and Student-
Loan Repayment Stress. Journal of Consumer Affairs. 2018;.
2. Shahrabani S. Financial Literacy Among Israeli College Students. Journal of College Student
Development. 2013;54(4):439-446.
3. Gwak M, Lee H. (Financial Stress of Student Loan Among New Graduates). SSRN Electronic
Journal. 2015;.
4. Xiuqin W. Ethical consideration in several commonly used study design. China Journal of
Chinese Materia Medica. 2011;.
5. Subramanian A. Preliminary Findings on the Use of Session Questionnaires to Improve
Clinician-Client Alliance With Special Consideration to Clinical Education. Perspectives on
Administration and Supervision. 2015;25(1):50.
6. Dallam M. Ethical Design of New Religion Field Projects. Religion Compass. 2011;5(9):520-
527.
7. Wedderburn C, Rickenbach M. Questionnaires, questionnaires. BMJ. 2011;:d3124.
8. d’Anjou P. An alternative model for ethical decision-making in design: A Sartrean approach.
Design Studies. 2011;32(1):45-59.
9. Hemming K. External validity is also an ethical consideration in cluster-randomized trials of
policy changes: the author's reply. BMJ Quality & Safety. 2018;:bmjqs-2018-008805.
10. Khanal G. ENSURING QUALITY IN SURVEY RESEARCH. Journal of Management
Value and Ethics. 2017;7(1).
11. Albeerdy M, Gharleghi B. Determinants of the Financial Literacy among College Students in
Malaysia. International Journal of Business Administration. 2015;6(3).
12. Herawati N, Candiasa I, Yadnyana I, Suharsono N. Factors That Influence Financial
Behavior Among Accounting Students in Bali. International Journal of Business
Administration. 2018;9(3):30.
9 | P a g e

PUB600
13. Akca N, Sönmez S, Şener T, Akca C. An Evaluation of the Effect of Financial Literacy
Education on Financial Literacy among College Students. International Journal of
Humanities and Social Science. 2018;8(8).
14. Attebury R. The Role of Administrators in Professional Development: Considerations for
Facilitating Learning Among Academic Librarians. Journal of Library Administration.
2018;58(5):407-433.
15. Herawati N. Financial Learning: Is It The Effective Way to Improve Financial Literacy
among Accounting Students?. SHS Web of Conferences. 2018;42:00056.
10 | P a g e

PUB600
Appendices
Feedback of peer 1
The questionaries formed in this process is quite effective but it could be more developed if there
is more information regarding the income level then the other value like the family financial
condition and accommodation in the country. The concept is vast and for that, the number of
questionnaires can be also increased for gaining the most valuable factor for the research paper.
Feedback of peer 2
The closed-ended questionnaires are good but it could be better by maintaining the number of
questions and also the type of questions. Information regarding the wages than the part-time job
that is being performed by the student and much more. Questionnaires have to be highly efficient
for providing a suitable and effective view of the facts.
11 | P a g e