Analysis of approval and disapproval of Aslah personal financing-i base on objective and subjective scoring methods / Bakhtiar Zainal

The purpose of this study is to develop an understanding of how Bank Kerjasama Rakyat Berhad lend their credit to their customer. They are two approach that been used to make analyze and to find out about the credit information and history of their customer. The approach that being used is Credit Sc...

Full description

Bibliographic Details
Main Author:	Zainal, Bakhtiar
Format:	Student Project
Language:	English
Published:	Faculty of Business and Management 2010
Subjects:	Bank loans. Bank credit. Commercial loans Personal finance. Financial literacy Credit. Debt. Loans Finance, Islamic
Online Access:	http://ir.uitm.edu.my/id/eprint/24802/ http://ir.uitm.edu.my/id/eprint/24802/1/PPb_BAKHTIAR%20ZAINAL%20M%20BM%2010_5.pdf

id	uitm-24802
recordtype	eprints
spelling	uitm-248022019-07-25T07:32:16Z http://ir.uitm.edu.my/id/eprint/24802/ Analysis of approval and disapproval of Aslah personal financing-i base on objective and subjective scoring methods / Bakhtiar Zainal Zainal, Bakhtiar Bank loans. Bank credit. Commercial loans Personal finance. Financial literacy Credit. Debt. Loans Finance, Islamic The purpose of this study is to develop an understanding of how Bank Kerjasama Rakyat Berhad lend their credit to their customer. They are two approach that been used to make analyze and to find out about the credit information and history of their customer. The approach that being used is Credit Scoring and 5C’s credit evaluation (subjective score). According to Fisher (1936), credit scoring essentially a way of recognising the different groups in a population when one cannot see the characteristic that separates the groups but only related ones. A questionnaire had been distribute to the Bank Rakyat customer and the researcher also had been interview several staff of Bank Rakyat in order to get more deeper information and clearly vision about the research that been conduct. The dependent variable of this study is approval or disapproval of personal loan, while the independent variables are credit scoring and 5C’s credit evaluation elements. The data that has been collected through questionnaire had been analyzed by using Statistical Package for Social Science program. After conducted this research, it showed that both credit scoring and subjective score are relevant and has impact in order to determine the approval or disapproval of personal loan at Bank Rakyat but at the same time, Bank Rakyat need to improve their scoring system in order to make sure they can be more competitive in the future among other financial institution in Malaysia. Faculty of Business and Management 2010 Student Project NonPeerReviewed text en http://ir.uitm.edu.my/id/eprint/24802/1/PPb_BAKHTIAR%20ZAINAL%20M%20BM%2010_5.pdf Zainal, Bakhtiar (2010) Analysis of approval and disapproval of Aslah personal financing-i base on objective and subjective scoring methods / Bakhtiar Zainal. [Student Project] (Unpublished)
repository_type	Digital Repository
institution_category	Local University
institution	Universiti Teknologi MARA
building	UiTM Institutional Repository
collection	Online Access
language	English
topic	Bank loans. Bank credit. Commercial loans Personal finance. Financial literacy Credit. Debt. Loans Finance, Islamic
spellingShingle	Bank loans. Bank credit. Commercial loans Personal finance. Financial literacy Credit. Debt. Loans Finance, Islamic Zainal, Bakhtiar Analysis of approval and disapproval of Aslah personal financing-i base on objective and subjective scoring methods / Bakhtiar Zainal
description	The purpose of this study is to develop an understanding of how Bank Kerjasama Rakyat Berhad lend their credit to their customer. They are two approach that been used to make analyze and to find out about the credit information and history of their customer. The approach that being used is Credit Scoring and 5C’s credit evaluation (subjective score). According to Fisher (1936), credit scoring essentially a way of recognising the different groups in a population when one cannot see the characteristic that separates the groups but only related ones. A questionnaire had been distribute to the Bank Rakyat customer and the researcher also had been interview several staff of Bank Rakyat in order to get more deeper information and clearly vision about the research that been conduct. The dependent variable of this study is approval or disapproval of personal loan, while the independent variables are credit scoring and 5C’s credit evaluation elements. The data that has been collected through questionnaire had been analyzed by using Statistical Package for Social Science program. After conducted this research, it showed that both credit scoring and subjective score are relevant and has impact in order to determine the approval or disapproval of personal loan at Bank Rakyat but at the same time, Bank Rakyat need to improve their scoring system in order to make sure they can be more competitive in the future among other financial institution in Malaysia.
format	Student Project
author	Zainal, Bakhtiar
author_facet	Zainal, Bakhtiar
author_sort	Zainal, Bakhtiar
title	Analysis of approval and disapproval of Aslah personal financing-i base on objective and subjective scoring methods / Bakhtiar Zainal
title_short	Analysis of approval and disapproval of Aslah personal financing-i base on objective and subjective scoring methods / Bakhtiar Zainal
title_full	Analysis of approval and disapproval of Aslah personal financing-i base on objective and subjective scoring methods / Bakhtiar Zainal
title_fullStr	Analysis of approval and disapproval of Aslah personal financing-i base on objective and subjective scoring methods / Bakhtiar Zainal
title_full_unstemmed	Analysis of approval and disapproval of Aslah personal financing-i base on objective and subjective scoring methods / Bakhtiar Zainal
title_sort	analysis of approval and disapproval of aslah personal financing-i base on objective and subjective scoring methods / bakhtiar zainal
publisher	Faculty of Business and Management
publishDate	2010
url	http://ir.uitm.edu.my/id/eprint/24802/ http://ir.uitm.edu.my/id/eprint/24802/1/PPb_BAKHTIAR%20ZAINAL%20M%20BM%2010_5.pdf
first_indexed	2023-09-18T23:13:23Z
last_indexed	2023-09-18T23:13:23Z
_version_	1777418951957938176

Analysis of approval and disapproval of Aslah personal financing-i base on objective and subjective scoring methods / Bakhtiar Zainal

Similar Items