Financial Health: Examining the Ability of Malaysian Household in Servicing Their Debts
This study is motivated by the persistent increased in household debts among Malaysian. The increasing trend of household debts raised concerns about the ability of the households to service their debts; especially when bankruptcies rates among Malaysian increase rapidly. Hence, this study seeks to...
| मुख्य लेखकों: | , , |
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| स्वरूप: | लेख |
| भाषा: | English |
| प्रकाशित: |
Serials Publications
2017
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| विषय: | |
| ऑनलाइन पहुंच: | https://repo.uum.edu.my/id/eprint/25295/1/IJABER%2015%2020%202017%2051%2058.pdf |
| _version_ | 1825805260375982080 |
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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 | This study is motivated by the persistent increased in household debts among Malaysian. The
increasing trend of household debts raised concerns about the ability of the households to service their debts; especially when bankruptcies rates among Malaysian increase rapidly. Hence, this study seeks to examine the ability of the households in servicing their debts by looking at the association between loan features and types
of household loans, and the post-loan debt service ratio. Using estimated logit model, the results show that household loans are associated with different loan features, which also indicates the ability condition of the household to service their debts. The post-loan debt service ratio shows that borrowers of certain types of
loans have difficulties or less ability to service their debts. Further, the socio-demographic factors present the association of the borrowers’ characteristics with types of household loans. The results show that the ability to repay debts is different between gender, races, education and employment. The study is conducted on
households in three northern states of Malaysia |
| first_indexed | 2024-07-04T06:29:23Z |
| format | Article |
| id | uum-25295 |
| institution | Universiti Utara Malaysia |
| language | English |
| last_indexed | 2024-07-04T06:29:23Z |
| publishDate | 2017 |
| publisher | Serials Publications |
| record_format | eprints |
| spelling | uum-252952018-12-12T06:18:01Z https://repo.uum.edu.my/id/eprint/25295/ Financial Health: Examining the Ability of Malaysian Household in Servicing Their Debts Abdul Rahman, Nora Azureen Kosim, Zunarni Siew, Goh Yeok HG Finance This study is motivated by the persistent increased in household debts among Malaysian. The increasing trend of household debts raised concerns about the ability of the households to service their debts; especially when bankruptcies rates among Malaysian increase rapidly. Hence, this study seeks to examine the ability of the households in servicing their debts by looking at the association between loan features and types of household loans, and the post-loan debt service ratio. Using estimated logit model, the results show that household loans are associated with different loan features, which also indicates the ability condition of the household to service their debts. The post-loan debt service ratio shows that borrowers of certain types of loans have difficulties or less ability to service their debts. Further, the socio-demographic factors present the association of the borrowers’ characteristics with types of household loans. The results show that the ability to repay debts is different between gender, races, education and employment. The study is conducted on households in three northern states of Malaysia Serials Publications 2017 Article PeerReviewed application/pdf en https://repo.uum.edu.my/id/eprint/25295/1/IJABER%2015%2020%202017%2051%2058.pdf Abdul Rahman, Nora Azureen and Kosim, Zunarni and Siew, Goh Yeok (2017) Financial Health: Examining the Ability of Malaysian Household in Servicing Their Debts. International Journal of Applied Business and Economic Research, 15 (20). pp. 51-58. ISSN 0972-7302 https://www.serialsjournals.com/articles.php?volumesno_id=1341&journals_id=22&volumes_id=1066 |
| spellingShingle | HG Finance Abdul Rahman, Nora Azureen Kosim, Zunarni Siew, Goh Yeok Financial Health: Examining the Ability of Malaysian Household in Servicing Their Debts |
| title | Financial Health: Examining the Ability of Malaysian Household in Servicing Their Debts |
| title_full | Financial Health: Examining the Ability of Malaysian Household in Servicing Their Debts |
| title_fullStr | Financial Health: Examining the Ability of Malaysian Household in Servicing Their Debts |
| title_full_unstemmed | Financial Health: Examining the Ability of Malaysian Household in Servicing Their Debts |
| title_short | Financial Health: Examining the Ability of Malaysian Household in Servicing Their Debts |
| title_sort | financial health examining the ability of malaysian household in servicing their debts |
| topic | HG Finance |
| url | https://repo.uum.edu.my/id/eprint/25295/1/IJABER%2015%2020%202017%2051%2058.pdf |
| work_keys_str_mv | AT abdulrahmannoraazureen financialhealthexaminingtheabilityofmalaysianhouseholdinservicingtheirdebts AT kosimzunarni financialhealthexaminingtheabilityofmalaysianhouseholdinservicingtheirdebts AT siewgohyeok financialhealthexaminingtheabilityofmalaysianhouseholdinservicingtheirdebts |