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Determinants of borrower’s intention to repay the educational loan (PTPTN): PLS-sem method
Ahmad Harith Ashrofie Hanafi1, Wan Rozima Mior Ahmed Shahimi2, Muhammad Ashraf Anuar3, Kuah, Yoke Chin4, Shum, Shen Hwei5.
Educational loan is an alternative financial assistance provided by the government to
reduce the economic burden of students at tertiary level throughout their studies. In view of the
increasing number of students obtaining educational loans, the issue of default in loan
repayment is undoubtedly subjected to research attention. This study investigates the
determinants of borrower’s intention to repay PTPTN loan. Using questionnaire and partial
least squares (PLS) structural equation model, this study examines the relationship between
roles of media, human interaction, and attitude of borrower and repayment alternatives that
influence the borrowers’ intention to repay the loan. The results show that borrower’s attitude,
awareness from media and repayment alternatives influence the borrower’s intention to repay
PTPTN loan. The results obtained from this research hopefully will help PTPTN and
policymakers to develop better strategies to ensure the repayment conditions would not become
a burden to both government and the public.
Affiliation:
- Universiti Tunku Abdul Rahman, Malaysia
- Universiti Tunku Abdul Rahman, Malaysia
- Universiti Tunku Abdul Rahman, Malaysia
- Universiti Tunku Abdul Rahman, Malaysia
- Universiti Tunku Abdul Rahman, Malaysia
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