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Factors influencing the intention of state foundation loan recipients to payback the education loan

Nurul Farhanah, Mohd Idres and Hasnah, Haron and Ishak, Ismail (2019) Factors influencing the intention of state foundation loan recipients to payback the education loan. Journal of Governance & Integrity, 2 (2). pp. 36-51. ISSN 2600-7479

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The issues of loan repayment are still existing until today. One of the state foundations has reported the number of recipients that has not paid their loan are higher than the recipient who has done the repayment. Therefore, the main objective of this study is focusing on the factors that influences the recipient to pay back the loan. 48 questionnaires were distributed to the state foundation’s loan recipients and a small interview were also conducted. Findings showed that the respondents had the intention to repay their loan as they were aware of their responsibilities especially the recipient that have high integrity. However, the inability to secure a good paying job is one of the reasons why they are not able to do so. Parental influence was found to be significant in influencing the loan recipients to repay their loan. It is suggested that the state foundation should increase the sense of responsibility among loan recipients to pay their loan and reminders should be given to their parents in order to convince their children to repay the loan.

Item Type: Article
Uncontrolled Keywords: Education loan repayment; Theory of reason action; Integrity; Attitude; Parental Influence; Repayment Intention
Subjects: H Social Sciences > HJ Public Finance
Faculty/Division: Faculty of Industrial Management
Depositing User: Noorul Farina Arifin
Date Deposited: 03 Jul 2019 02:05
Last Modified: 03 Jul 2019 02:05
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