Factors that cause non-performing loan in microfinance at Bank Simpanan Nasional Kelantan / Nik Zatil Aqmar Nik Faudzi

Danny Yap (2010) reported that, the non-performing loans ratio (NPLs) in Malaysia is expected to come under pressure this year (2011) as the country faces a more challenging global and domestic environment. Thus, this research was conducted to study the factors that cause to non-performing loan (NPL...

Full description

Saved in:

Bibliographic Details
Main Author:	Nik Faudzi, Nik Zatil Aqmar
Format:	Thesis
Language:	English
Published:	2011
Subjects:	Credit Debt Loans
Online Access:	https://ir.uitm.edu.my/id/eprint/33220/1/33220.pdf
Tags:	Add Tag No Tags, Be the first to tag this record!

id	my-uitm-ir.33220
record_format	uketd_dc
spelling	my-uitm-ir.332202020-08-05T05:51:14Z Factors that cause non-performing loan in microfinance at Bank Simpanan Nasional Kelantan / Nik Zatil Aqmar Nik Faudzi 2011-04 Nik Faudzi, Nik Zatil Aqmar Credit. Debt. Loans Commercial credit. Commercial loans. Credit management Danny Yap (2010) reported that, the non-performing loans ratio (NPLs) in Malaysia is expected to come under pressure this year (2011) as the country faces a more challenging global and domestic environment. Thus, this research was conducted to study the factors that cause to non-performing loan (NPL) in Microfinance at Bank Simpanan Nasional Kelantan. The objective of this research is to determine the factors that cause non-performing loan (NPL) and the relationship between the independent variables (the unpredictable crises among borrowers, the operation management, the analysis on credit scoring and the attitude of borrowers) and dependent variable (Non-Performing Loan). The researcher has distributed the questionnaire to the staff at Bank Simpanan Nasional Kelantan especially who have been involved in Micro Finance/ Micro Credit. The Pearson Analysis is used to measure the strength of the association between two variables. The result indicate that the strength of association between IV1 (r = 0.934) and IV4 (r = 0.948) are very high and very strong and that the correlation coefficient are very highly significantly different from zero (p<0.01). Hence, the result above has answered the objective of the research. Several actions will be taken by the bank onto NPL borrowers either do litigation; LOD, NOT, Summon, or Judgment. The NPL borrowers also suggested to do reschedule and refinancing (R&R), Workout Proposal, Capitalize, or Write-off to lighten the NPL borrower’s burden 2011-04 Thesis https://ir.uitm.edu.my/id/eprint/33220/ https://ir.uitm.edu.my/id/eprint/33220/1/33220.pdf text en public degree Universiti Teknologi MARA Cawangan Kelantan Faculty of Business and Management Aznan, Nadia Farleena
institution	Universiti Teknologi MARA
collection	UiTM Institutional Repository
language	English
advisor	Aznan, Nadia Farleena
topic	Credit Debt Loans Credit Debt Loans
spellingShingle	Credit Debt Loans Credit Debt Loans Nik Faudzi, Nik Zatil Aqmar Factors that cause non-performing loan in microfinance at Bank Simpanan Nasional Kelantan / Nik Zatil Aqmar Nik Faudzi
description	Danny Yap (2010) reported that, the non-performing loans ratio (NPLs) in Malaysia is expected to come under pressure this year (2011) as the country faces a more challenging global and domestic environment. Thus, this research was conducted to study the factors that cause to non-performing loan (NPL) in Microfinance at Bank Simpanan Nasional Kelantan. The objective of this research is to determine the factors that cause non-performing loan (NPL) and the relationship between the independent variables (the unpredictable crises among borrowers, the operation management, the analysis on credit scoring and the attitude of borrowers) and dependent variable (Non-Performing Loan). The researcher has distributed the questionnaire to the staff at Bank Simpanan Nasional Kelantan especially who have been involved in Micro Finance/ Micro Credit. The Pearson Analysis is used to measure the strength of the association between two variables. The result indicate that the strength of association between IV1 (r = 0.934) and IV4 (r = 0.948) are very high and very strong and that the correlation coefficient are very highly significantly different from zero (p<0.01). Hence, the result above has answered the objective of the research. Several actions will be taken by the bank onto NPL borrowers either do litigation; LOD, NOT, Summon, or Judgment. The NPL borrowers also suggested to do reschedule and refinancing (R&R), Workout Proposal, Capitalize, or Write-off to lighten the NPL borrower’s burden
format	Thesis
qualification_level	Bachelor degree
author	Nik Faudzi, Nik Zatil Aqmar
author_facet	Nik Faudzi, Nik Zatil Aqmar
author_sort	Nik Faudzi, Nik Zatil Aqmar
title	Factors that cause non-performing loan in microfinance at Bank Simpanan Nasional Kelantan / Nik Zatil Aqmar Nik Faudzi
title_short	Factors that cause non-performing loan in microfinance at Bank Simpanan Nasional Kelantan / Nik Zatil Aqmar Nik Faudzi
title_full	Factors that cause non-performing loan in microfinance at Bank Simpanan Nasional Kelantan / Nik Zatil Aqmar Nik Faudzi
title_fullStr	Factors that cause non-performing loan in microfinance at Bank Simpanan Nasional Kelantan / Nik Zatil Aqmar Nik Faudzi
title_full_unstemmed	Factors that cause non-performing loan in microfinance at Bank Simpanan Nasional Kelantan / Nik Zatil Aqmar Nik Faudzi
title_sort	factors that cause non-performing loan in microfinance at bank simpanan nasional kelantan / nik zatil aqmar nik faudzi
granting_institution	Universiti Teknologi MARA Cawangan Kelantan
granting_department	Faculty of Business and Management
publishDate	2011
url	https://ir.uitm.edu.my/id/eprint/33220/1/33220.pdf
_version_	1783734227189104640

Factors that cause non-performing loan in microfinance at Bank Simpanan Nasional Kelantan / Nik Zatil Aqmar Nik Faudzi

Similar Items