Factor Affecting Housing Loan/House Financing Pricing; Comparative Evaluation Between Conventional Bank And Islamic Bank
Lately, the demand for housing becomes increasing due to the increasing of their life style and increasing of the population. Due to that, financial institution in Malaysia was competing each others in offering housing loan/house financing to the customer. Financial institution in Malaysia has divid...
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| Main Author: | |
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| Format: | Thesis |
| Language: | eng eng |
| Published: |
2007
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| Subjects: | |
| Online Access: | https://etd.uum.edu.my/1/1/Noorul_Hafizah.pdf https://etd.uum.edu.my/1/2/Noorul_Hafizah.pdf |
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| Summary: | Lately, the demand for housing becomes increasing due to the increasing of their life style and increasing of the population. Due to that, financial institution in Malaysia was competing each others in offering housing loan/house financing to the customer. Financial institution in Malaysia has divided into two major systems which is Conventional system and Islamic system, so, this financing also divided into two which are housing loan for conventional and house financing in Islamic. Net interest margin is using as a proxy to housing loan/house financing interest rate.
Thus, the purpose of this study is to investigate the factors considered by banks in determining housing loan/house financing price; comparative evaluation between
Conventional Bank and Islamic Bank.
To achieve the objective, this dissertation employs the convergent interview and regression of the model. This dissertation have been used a SPSS version 10 as analysis technique to analyzed data. From this analysis, the result suggested that have 8 factors considered by the bank in determining housing loan/house financing price. |
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