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Assessing factors affecting the repayment performance of microcredit customer at Bank Kerjasama Rakyat Malaysia Berhad, Batu Pahat, Johor, Malaysia / Noor Asmeida Ahmad Mutamin & Fairuz@Khairunisha Masrom

This study focused on assessing the factors that affecting The Repayment Rate of Microcredit Customers at Bank Kerjasama Rakyat Malaysia Berhad, Batu Pahat, Johor, Malaysia (Bank Rakyat). A total of 72 respondents of micro credit customer were selected for this study. The research was conducted to d...

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Main Authors: Ahmad Mutamin, Noor Asmeida, Masrom, Fairuz@Khairunisha
Format: Thesis
Language:English
Published: 2012
Subjects:
Banking
Bank loans. Bank credit. Commercial loans
Online Access:https://ir.uitm.edu.my/id/eprint/46845/1/46845.pdf
https://ir.uitm.edu.my/id/eprint/46845/
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spelling my.uitm.ir.468452021-08-04T05:40:33Z https://ir.uitm.edu.my/id/eprint/46845/ Assessing factors affecting the repayment performance of microcredit customer at Bank Kerjasama Rakyat Malaysia Berhad, Batu Pahat, Johor, Malaysia / Noor Asmeida Ahmad Mutamin & Fairuz@Khairunisha Masrom Ahmad Mutamin, Noor Asmeida Masrom, Fairuz@Khairunisha Banking Bank loans. Bank credit. Commercial loans This study focused on assessing the factors that affecting The Repayment Rate of Microcredit Customers at Bank Kerjasama Rakyat Malaysia Berhad, Batu Pahat, Johor, Malaysia (Bank Rakyat). A total of 72 respondents of micro credit customer were selected for this study. The research was conducted to determine the factors affecting loan repayment prevalent among micro credit customer of Batu Pahat Johor. The objective of the study is also to identify and analyze the socio-economic determinants of loan repayment performance of microcredit Bank Rakyat Batu Pahat branch customers and to better define and understand the mechanisms within a lending group that affect repayment. Data required for analysis are collected using structured questionnaire from the existing microcredit customer of Bank Rakyat. The results showed that gender was not among the factors that influence the increase in NPLs. Place of residence, education level, the amount taken, the purpose of the loan, the business income and the current economic situation is among the factors that have been taken into account in determining the factors affecting the rate of repayment may lead to the Non-Performing Loan if not contained. Interestingly, most of respondents support the concept of Self-Help Group, which was introduced by the Bank Rakyat as a mechanism to control the rate of repayment on Microfinance as this is a type of financing which does not require guarantors and collateral. In addition, respondents also strongly agreed with the involvement of banks and cooperatives as a facilitator in the establishment of SHG and cooperative banks even seen his own interest in the success of the scheme. 2012-01 Thesis NonPeerReviewed text en https://ir.uitm.edu.my/id/eprint/46845/1/46845.pdf ID46845 Ahmad Mutamin, Noor Asmeida and Masrom, Fairuz@Khairunisha (2012) Assessing factors affecting the repayment performance of microcredit customer at Bank Kerjasama Rakyat Malaysia Berhad, Batu Pahat, Johor, Malaysia / Noor Asmeida Ahmad Mutamin & Fairuz@Khairunisha Masrom. Masters thesis, thesis, UiTM Cawangan Johor Kampus Pasir Gudang.
institution Universiti Teknologi Mara
building Tun Abdul Razak Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Teknologi Mara
content_source UiTM Institutional Repository
url_provider http://ir.uitm.edu.my/
language English
topic Banking
Bank loans. Bank credit. Commercial loans
spellingShingle Banking
Bank loans. Bank credit. Commercial loans
Ahmad Mutamin, Noor Asmeida
Masrom, Fairuz@Khairunisha
Assessing factors affecting the repayment performance of microcredit customer at Bank Kerjasama Rakyat Malaysia Berhad, Batu Pahat, Johor, Malaysia / Noor Asmeida Ahmad Mutamin & Fairuz@Khairunisha Masrom
description This study focused on assessing the factors that affecting The Repayment Rate of Microcredit Customers at Bank Kerjasama Rakyat Malaysia Berhad, Batu Pahat, Johor, Malaysia (Bank Rakyat). A total of 72 respondents of micro credit customer were selected for this study. The research was conducted to determine the factors affecting loan repayment prevalent among micro credit customer of Batu Pahat Johor. The objective of the study is also to identify and analyze the socio-economic determinants of loan repayment performance of microcredit Bank Rakyat Batu Pahat branch customers and to better define and understand the mechanisms within a lending group that affect repayment. Data required for analysis are collected using structured questionnaire from the existing microcredit customer of Bank Rakyat. The results showed that gender was not among the factors that influence the increase in NPLs. Place of residence, education level, the amount taken, the purpose of the loan, the business income and the current economic situation is among the factors that have been taken into account in determining the factors affecting the rate of repayment may lead to the Non-Performing Loan if not contained. Interestingly, most of respondents support the concept of Self-Help Group, which was introduced by the Bank Rakyat as a mechanism to control the rate of repayment on Microfinance as this is a type of financing which does not require guarantors and collateral. In addition, respondents also strongly agreed with the involvement of banks and cooperatives as a facilitator in the establishment of SHG and cooperative banks even seen his own interest in the success of the scheme.
format Thesis
author Ahmad Mutamin, Noor Asmeida
Masrom, Fairuz@Khairunisha
author_facet Ahmad Mutamin, Noor Asmeida
Masrom, Fairuz@Khairunisha
author_sort Ahmad Mutamin, Noor Asmeida
title Assessing factors affecting the repayment performance of microcredit customer at Bank Kerjasama Rakyat Malaysia Berhad, Batu Pahat, Johor, Malaysia / Noor Asmeida Ahmad Mutamin & Fairuz@Khairunisha Masrom
title_short Assessing factors affecting the repayment performance of microcredit customer at Bank Kerjasama Rakyat Malaysia Berhad, Batu Pahat, Johor, Malaysia / Noor Asmeida Ahmad Mutamin & Fairuz@Khairunisha Masrom
title_full Assessing factors affecting the repayment performance of microcredit customer at Bank Kerjasama Rakyat Malaysia Berhad, Batu Pahat, Johor, Malaysia / Noor Asmeida Ahmad Mutamin & Fairuz@Khairunisha Masrom
title_fullStr Assessing factors affecting the repayment performance of microcredit customer at Bank Kerjasama Rakyat Malaysia Berhad, Batu Pahat, Johor, Malaysia / Noor Asmeida Ahmad Mutamin & Fairuz@Khairunisha Masrom
title_full_unstemmed Assessing factors affecting the repayment performance of microcredit customer at Bank Kerjasama Rakyat Malaysia Berhad, Batu Pahat, Johor, Malaysia / Noor Asmeida Ahmad Mutamin & Fairuz@Khairunisha Masrom
title_sort assessing factors affecting the repayment performance of microcredit customer at bank kerjasama rakyat malaysia berhad, batu pahat, johor, malaysia / noor asmeida ahmad mutamin & fairuz@khairunisha masrom
publishDate 2012
url https://ir.uitm.edu.my/id/eprint/46845/1/46845.pdf
https://ir.uitm.edu.my/id/eprint/46845/
_version_ 1707768617951559680
score 13.211869

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