The Characteristics of Household Loans in Conventional and Islamic Banks in Malaysia
The high debts among Malaysia’s households and the dual banking system in Malaysia motivates this study to investigate the characteristics of the household loan in the conventional and Islamic banking institutions. The loan characteristics are vital as it serves as ‘red flags’ of loan default in the...
| Main Authors: | , , |
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| Format: | Article |
| Language: | English |
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HRMARS
2018
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| Online Access: | https://repo.uum.edu.my/id/eprint/25288/1/IJARBSS%208%207%202018%20531%20541.pdf |
| _version_ | 1825805258965647360 |
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| author | Abdul Rahman, Nora Azureen Kosim, Zunarni Siew, Goh Yeok |
| author_facet | Abdul Rahman, Nora Azureen Kosim, Zunarni Siew, Goh Yeok |
| author_sort | Abdul Rahman, Nora Azureen |
| collection | UUM |
| description | The high debts among Malaysia’s households and the dual banking system in Malaysia motivates this study to investigate the characteristics of the household loan in the conventional and Islamic banking institutions. The loan characteristics are vital as it serves as ‘red flags’ of loan default in the banking institutions. As conventional banks and Islamic banks are under different banking concepts and principles; normally accompanied by
different loan policy and strategies, this study provides insights on the loan characteristics
of the banking institutions. Using the estimated logit model, the results give information on the exposure to risk of default of the banking institutions. The results may be useful in
the formulation of the lending policies of the banking institutions |
| first_indexed | 2024-07-04T06:29:21Z |
| format | Article |
| id | uum-25288 |
| institution | Universiti Utara Malaysia |
| language | English |
| last_indexed | 2024-07-04T06:29:21Z |
| publishDate | 2018 |
| publisher | HRMARS |
| record_format | eprints |
| spelling | uum-252882018-12-11T01:32:48Z https://repo.uum.edu.my/id/eprint/25288/ The Characteristics of Household Loans in Conventional and Islamic Banks in Malaysia Abdul Rahman, Nora Azureen Kosim, Zunarni Siew, Goh Yeok HG Finance The high debts among Malaysia’s households and the dual banking system in Malaysia motivates this study to investigate the characteristics of the household loan in the conventional and Islamic banking institutions. The loan characteristics are vital as it serves as ‘red flags’ of loan default in the banking institutions. As conventional banks and Islamic banks are under different banking concepts and principles; normally accompanied by different loan policy and strategies, this study provides insights on the loan characteristics of the banking institutions. Using the estimated logit model, the results give information on the exposure to risk of default of the banking institutions. The results may be useful in the formulation of the lending policies of the banking institutions HRMARS 2018 Article PeerReviewed application/pdf en https://repo.uum.edu.my/id/eprint/25288/1/IJARBSS%208%207%202018%20531%20541.pdf Abdul Rahman, Nora Azureen and Kosim, Zunarni and Siew, Goh Yeok (2018) The Characteristics of Household Loans in Conventional and Islamic Banks in Malaysia. International Journal of Academic Research in Business and Social Sciences, 8 (7). pp. 531-541. ISSN 2222-6990 http://hrmars.com/index.php/papers/detail/IJARBSS/4395 |
| spellingShingle | HG Finance Abdul Rahman, Nora Azureen Kosim, Zunarni Siew, Goh Yeok The Characteristics of Household Loans in Conventional and Islamic Banks in Malaysia |
| title | The Characteristics of Household Loans in Conventional and Islamic Banks in Malaysia |
| title_full | The Characteristics of Household Loans in Conventional and Islamic Banks in Malaysia |
| title_fullStr | The Characteristics of Household Loans in Conventional and Islamic Banks in Malaysia |
| title_full_unstemmed | The Characteristics of Household Loans in Conventional and Islamic Banks in Malaysia |
| title_short | The Characteristics of Household Loans in Conventional and Islamic Banks in Malaysia |
| title_sort | characteristics of household loans in conventional and islamic banks in malaysia |
| topic | HG Finance |
| url | https://repo.uum.edu.my/id/eprint/25288/1/IJARBSS%208%207%202018%20531%20541.pdf |
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