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Demand in Consumer Credit

Consumer credit has witnessed a significant growth throughout the economic cycles. Sustained economic growth in Malaysia, averaging 5.9% a year over the past six years, has raised household incomes and boosted consumer confidence, which, in turn, has induced optimistic expectations of future income....

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Main Author: Othman, Mohd Rashid
Format: Thesis
Language:English
English
Published: 2010
Subjects:
HG Finance
Online Access:http://etd.uum.edu.my/2678/1/Othman_Mohd_Rashid.pdf
http://etd.uum.edu.my/2678/2/1.Othman_Mohd_Rashid.pdf
http://etd.uum.edu.my/2678/
http://lintas.uum.edu.my:8080/elmu/index.jsp?module=webopac-l&action=fullDisplayRetriever.jsp&szMaterialNo=0000769086
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spelling my.uum.etd.26782013-07-24T12:17:16Z http://etd.uum.edu.my/2678/ Demand in Consumer Credit Othman, Mohd Rashid HG Finance Consumer credit has witnessed a significant growth throughout the economic cycles. Sustained economic growth in Malaysia, averaging 5.9% a year over the past six years, has raised household incomes and boosted consumer confidence, which, in turn, has induced optimistic expectations of future income. The influence of macroeconomic variables toward the demand in consumer credit is inevitable as well as the performance of residential property transaction, automotive, credit cards usage and personal loans. Hence, this study aims to understand and explain the influence of these macroeconomic variables. Several analytical methods such as trend, correlation analysis and regressions were camed out. Some of the economic variables vary in the way they influence consumer credit but when GDP, BLR and unemployment increased it leads to decrease in demand of consumer credit while CPI and age group which are significantly positive correlated leads to increased of consumer credit. This finding suggests that by monitoring the macroeconomic variables, the demand in consumer credit may be predictable. 2010-10 Thesis NonPeerReviewed application/pdf en http://etd.uum.edu.my/2678/1/Othman_Mohd_Rashid.pdf application/pdf en http://etd.uum.edu.my/2678/2/1.Othman_Mohd_Rashid.pdf Othman, Mohd Rashid (2010) Demand in Consumer Credit. Masters thesis, Universiti Utara Malaysia. http://lintas.uum.edu.my:8080/elmu/index.jsp?module=webopac-l&action=fullDisplayRetriever.jsp&szMaterialNo=0000769086
institution Universiti Utara Malaysia
building UUM Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Utara Malaysia
content_source UUM Electronic Theses
url_provider http://etd.uum.edu.my/
language English
English
topic HG Finance
spellingShingle HG Finance
Othman, Mohd Rashid
Demand in Consumer Credit
description Consumer credit has witnessed a significant growth throughout the economic cycles. Sustained economic growth in Malaysia, averaging 5.9% a year over the past six years, has raised household incomes and boosted consumer confidence, which, in turn, has induced optimistic expectations of future income. The influence of macroeconomic variables toward the demand in consumer credit is inevitable as well as the performance of residential property transaction, automotive, credit cards usage and personal loans. Hence, this study aims to understand and explain the influence of these macroeconomic variables. Several analytical methods such as trend, correlation analysis and regressions were camed out. Some of the economic variables vary in the way they influence consumer credit but when GDP, BLR and unemployment increased it leads to decrease in demand of consumer credit while CPI and age group which are significantly positive correlated leads to increased of consumer credit. This finding suggests that by monitoring the macroeconomic variables, the demand in consumer credit may be predictable.
format Thesis
author Othman, Mohd Rashid
author_facet Othman, Mohd Rashid
author_sort Othman, Mohd Rashid
title Demand in Consumer Credit
title_short Demand in Consumer Credit
title_full Demand in Consumer Credit
title_fullStr Demand in Consumer Credit
title_full_unstemmed Demand in Consumer Credit
title_sort demand in consumer credit
publishDate 2010
url http://etd.uum.edu.my/2678/1/Othman_Mohd_Rashid.pdf
http://etd.uum.edu.my/2678/2/1.Othman_Mohd_Rashid.pdf
http://etd.uum.edu.my/2678/
http://lintas.uum.edu.my:8080/elmu/index.jsp?module=webopac-l&action=fullDisplayRetriever.jsp&szMaterialNo=0000769086
_version_ 1644276762362773504
score 13.211869

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