Repayment behaviour of development financial institution borrowers / Chong Fen Nee, Rosita Haji Suhaimi and Nurhani Aba Ibrahim

This study investigates the repayment pattern of Development Financial Institutions borrowers in Sabah and Sarawak. Additionally, factors such as demographic profile, loan characteristics and borrower-lender distance are examined to determine their relationships with repayment performance. A total...

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Main Authors:	Chong, Feng Nee, Suhaimi, Rosita, Aba Ibrahim, Nurhani
Format:	Research Reports
Language:	English
Published:	UITM Sarawak,Kampus Samarahan 2011
Subjects:	Business. Business enterprises. General works, treatises, and textbooks Financial management. Business finance. Corporation finance
Online Access:	http://ir.uitm.edu.my/id/eprint/25398/ http://ir.uitm.edu.my/id/eprint/25398/1/25398.PDF

id	uitm-25398
recordtype	eprints
spelling	uitm-253982020-03-19T07:14:16Z http://ir.uitm.edu.my/id/eprint/25398/ Repayment behaviour of development financial institution borrowers / Chong Fen Nee, Rosita Haji Suhaimi and Nurhani Aba Ibrahim Chong, Feng Nee Suhaimi, Rosita Aba Ibrahim, Nurhani Business. Business enterprises. General works, treatises, and textbooks Financial management. Business finance. Corporation finance This study investigates the repayment pattern of Development Financial Institutions borrowers in Sabah and Sarawak. Additionally, factors such as demographic profile, loan characteristics and borrower-lender distance are examined to determine their relationships with repayment performance. A total of two hundred and forty-two queationnaires were collected during the study period and used for the analysis. Findings showed that 43% of the respondents default their credit obligations while the remaining take between one to six months to settle their monthly arrears. When the cross-tabulation analysis was used to identify the common demographic characteristics of the defaulters, it was found that most of the defaults are male, attain a lower level of education, have a higher total number of dependents and self employed. An empirical analysis on the impact of the factors affecting repayment performance of Development Financial Institutions using logistic regression analysis suggested that Development Financial Institutions should manage the borrower-lender distance actively and impose a collateral requirement in order to mitigate default peoblems. UITM Sarawak,Kampus Samarahan 2011 Research Reports NonPeerReviewed text en http://ir.uitm.edu.my/id/eprint/25398/1/25398.PDF Chong, Feng Nee and Suhaimi, Rosita and Aba Ibrahim, Nurhani (2011) Repayment behaviour of development financial institution borrowers / Chong Fen Nee, Rosita Haji Suhaimi and Nurhani Aba Ibrahim. [Research Reports] (Unpublished)
repository_type	Digital Repository
institution_category	Local University
institution	Universiti Teknologi MARA
building	UiTM Institutional Repository
collection	Online Access
language	English
topic	Business. Business enterprises. General works, treatises, and textbooks Financial management. Business finance. Corporation finance
spellingShingle	Business. Business enterprises. General works, treatises, and textbooks Financial management. Business finance. Corporation finance Chong, Feng Nee Suhaimi, Rosita Aba Ibrahim, Nurhani Repayment behaviour of development financial institution borrowers / Chong Fen Nee, Rosita Haji Suhaimi and Nurhani Aba Ibrahim
description	This study investigates the repayment pattern of Development Financial Institutions borrowers in Sabah and Sarawak. Additionally, factors such as demographic profile, loan characteristics and borrower-lender distance are examined to determine their relationships with repayment performance. A total of two hundred and forty-two queationnaires were collected during the study period and used for the analysis. Findings showed that 43% of the respondents default their credit obligations while the remaining take between one to six months to settle their monthly arrears. When the cross-tabulation analysis was used to identify the common demographic characteristics of the defaulters, it was found that most of the defaults are male, attain a lower level of education, have a higher total number of dependents and self employed. An empirical analysis on the impact of the factors affecting repayment performance of Development Financial Institutions using logistic regression analysis suggested that Development Financial Institutions should manage the borrower-lender distance actively and impose a collateral requirement in order to mitigate default peoblems.
format	Research Reports
author	Chong, Feng Nee Suhaimi, Rosita Aba Ibrahim, Nurhani
author_facet	Chong, Feng Nee Suhaimi, Rosita Aba Ibrahim, Nurhani
author_sort	Chong, Feng Nee
title	Repayment behaviour of development financial institution borrowers / Chong Fen Nee, Rosita Haji Suhaimi and Nurhani Aba Ibrahim
title_short	Repayment behaviour of development financial institution borrowers / Chong Fen Nee, Rosita Haji Suhaimi and Nurhani Aba Ibrahim
title_full	Repayment behaviour of development financial institution borrowers / Chong Fen Nee, Rosita Haji Suhaimi and Nurhani Aba Ibrahim
title_fullStr	Repayment behaviour of development financial institution borrowers / Chong Fen Nee, Rosita Haji Suhaimi and Nurhani Aba Ibrahim
title_full_unstemmed	Repayment behaviour of development financial institution borrowers / Chong Fen Nee, Rosita Haji Suhaimi and Nurhani Aba Ibrahim
title_sort	repayment behaviour of development financial institution borrowers / chong fen nee, rosita haji suhaimi and nurhani aba ibrahim
publisher	UITM Sarawak,Kampus Samarahan
publishDate	2011
url	http://ir.uitm.edu.my/id/eprint/25398/ http://ir.uitm.edu.my/id/eprint/25398/1/25398.PDF
first_indexed	2023-09-18T23:14:39Z
last_indexed	2023-09-18T23:14:39Z
_version_	1777419031185195008

Repayment behaviour of development financial institution borrowers / Chong Fen Nee, Rosita Haji Suhaimi and Nurhani Aba Ibrahim

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