| Summary: | One of the leading hindrances for constructor’s business growth in Malaysia is the conservative attitude of financial institution in providing construction loan.The objective of this paper is to explore and understand government financial institution on contractor’s borrowing in Malaysia. First, a framework that classified a set of criteria on loan application assessment was formulated. Second, a survey was conducted to determine the key criteria by testing the theoretical framework with a number of banks.Third, practitioners from five government financial institutions were interviewed in a focus group meeting to explore the reasoning behind the tested framework.Hence, the finding will enable contractors in Malaysia to find a way to enhance the success of their loan application.
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