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首页> 外文期刊>International Journal of Business and Management >An Exploratory Study on the Factors Contributing Loan Repayment Default among the Loan Borrowers in Micro Finance Institutions in Shah Alam, Selangor
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An Exploratory Study on the Factors Contributing Loan Repayment Default among the Loan Borrowers in Micro Finance Institutions in Shah Alam, Selangor

机译：雪兰莪莎阿南小额信贷机构的贷款借款人中导致贷款还款违约的因素的探索性研究

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This research is carried out to discover the factors contributing to loan repayment default in micro finance institutions based in Shah Alam, Selangor, Malaysia. The findings will be useful for the micro finance institutions in Malaysia in selecting and implementing suitable policies to reduce defaults. In this research, data is collected through questionnaires. These questionnaires are distributed to 120 loan borrowers of micro finance institution in Shah Alam, Selangor. Furthermore, the data was analyzed with the software known as Statistical package for Social Science, for short SPSS. This study established that nature of business operated by loan borrowers is one of the factors that will influence loan repayment. Finding of this study are established that there is a positive relationship between nature of business operation and negative relationship between age of borrowers, diversion of funds by borrowers as well as repayment schedule to loan defaults.
机译：进行这项研究是为了发现影响设在马来西亚雪兰莪州莎阿南的小额金融机构拖欠贷款的因素。调查结果对于马来西亚的小额信贷机构选择和实施适当的政策以减少违约将是有用的。在这项研究中，数据是通过问卷收集的。这些问卷已分发给雪兰莪州莎阿南的120家微型金融机构的借款人。此外，使用称为SPSS的社会科学统计软件包对数据进行了分析。这项研究确定，借贷者经营的业务性质是影响贷款还款的因素之一。这项研究的发现表明，企业经营的性质与借款人的年龄，借款人挪用资金以及偿还贷款违约时间表之间存在负相关关系。

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