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...
| Main Authors: | , , |
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| Format: | Research Reports |
| Language: | English |
| Published: |
UITM Sarawak,Kampus Samarahan
2011
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| Online Access: | https://ir.uitm.edu.my/id/eprint/25398/ |
| _version_ | 1848806247023771648 |
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| author | Chong, Feng Nee Suhaimi, Rosita Aba Ibrahim, Nurhani |
| author_facet | Chong, Feng Nee Suhaimi, Rosita Aba Ibrahim, Nurhani |
| author_sort | Chong, Feng Nee |
| building | UiTM Institutional Repository |
| collection | Online Access |
| 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. |
| first_indexed | 2025-11-14T22:23:53Z |
| format | Research Reports |
| id | uitm-25398 |
| institution | Universiti Teknologi MARA |
| institution_category | Local University |
| language | English |
| last_indexed | 2025-11-14T22:23:53Z |
| publishDate | 2011 |
| publisher | UITM Sarawak,Kampus Samarahan |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | uitm-253982020-03-19T07:14:16Z https://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 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 https://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. (2011) [Research Reports] (Unpublished) |
| spellingShingle | Business 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 |
| title | 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_short | 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 |
| topic | Business Financial management. Business finance. Corporation finance |
| url | https://ir.uitm.edu.my/id/eprint/25398/ |