Pembinaan model religiositi, sikap dan niat pembayaran balik pinjaman pendidikan di Malaysia

The issue of repayment of education loans by the National Higher Education Fund (PTPTN) has been in the media spotlight for the past few years. The reason is that almost every year, the loan debt shows a significant increase that has an impact on many parties. Therefore, this study pursued to valida...

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Main Author:	Mohd Zaimi, Mohd Nor
Format:	Thesis
Language:	eng eng eng
Published:	2024
Subjects:	BF Psychology
Online Access:	https://etd.uum.edu.my/11194/1/permission%20to%20deposit-not%20allow-s826491.pdf https://etd.uum.edu.my/11194/2/s826491_01.pdf https://etd.uum.edu.my/11194/3/s826491_02.pdf
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id	my-uum-etd.11194
record_format	uketd_dc
spelling	my-uum-etd.111942024-06-23T03:16:50Z Pembinaan model religiositi, sikap dan niat pembayaran balik pinjaman pendidikan di Malaysia 2024 Mohd Zaimi, Mohd Nor Ismail, Suzila Mohd Faudzi, Farah Nadia Awang Had Salleh Graduate School of Arts & Sciences Awang Had Salleh Graduate School of Art & Sciences BF Psychology The issue of repayment of education loans by the National Higher Education Fund (PTPTN) has been in the media spotlight for the past few years. The reason is that almost every year, the loan debt shows a significant increase that has an impact on many parties. Therefore, this study pursued to validate the instrument and test the theory of behavior, namely the Theory of Reasoned Action (TRA), in the context of Malaysia's repayment of educational loans. This study uses a quantitative approach as a cross-sectional survey. Research data was collected using two questionnaires, the Bukhari Religiosity Scale, (measure religiosity) and questionnaires from Student Attitude towards Education Loan Repayment (measure borrowers' attitudes and intentions). Simple random sampling techniques, as many as 373 respondents were selected from three public universities in Malaysia, namely Universiti Utara Malaysia, Universiti Teknologi Mara and Universiti Teknologi Malaysia. Pilot study data analysis was analyzed using SPSS version 24.0, while actual data used AMOS 22. Analysis of study data through SEM-AMOS involves measurement models (factor loading, convergent validity, composite reliability, and discriminant validity) and structural models (goodness-of-fit). The study found a relationship and influence between religiosity and attitudes toward the intention to repay educational loans. In addition, the validity and reliability of questionnaires through a high Confirmatory Factor Analysis (CFA) are valid to measure the religiosity, attitudes and intentions of education loans in Malaysia. This study successfully formed a model of religiosity, attitudes and intentions of repayment that corresponded to the research data. In conclusion, the developing this research model will assist towards the improvement of borrower selection policy in the future. 2024 Thesis https://etd.uum.edu.my/11194/ https://etd.uum.edu.my/11194/1/permission%20to%20deposit-not%20allow-s826491.pdf text eng staffonly https://etd.uum.edu.my/11194/2/s826491_01.pdf text eng 2027-05-05 staffonly https://etd.uum.edu.my/11194/3/s826491_02.pdf text eng 2027-05-05 staffonly other masters Universiti Utara Malaysia
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng eng
advisor	Ismail, Suzila Mohd Faudzi, Farah Nadia
topic	BF Psychology
spellingShingle	BF Psychology Mohd Zaimi, Mohd Nor Pembinaan model religiositi, sikap dan niat pembayaran balik pinjaman pendidikan di Malaysia
description	The issue of repayment of education loans by the National Higher Education Fund (PTPTN) has been in the media spotlight for the past few years. The reason is that almost every year, the loan debt shows a significant increase that has an impact on many parties. Therefore, this study pursued to validate the instrument and test the theory of behavior, namely the Theory of Reasoned Action (TRA), in the context of Malaysia's repayment of educational loans. This study uses a quantitative approach as a cross-sectional survey. Research data was collected using two questionnaires, the Bukhari Religiosity Scale, (measure religiosity) and questionnaires from Student Attitude towards Education Loan Repayment (measure borrowers' attitudes and intentions). Simple random sampling techniques, as many as 373 respondents were selected from three public universities in Malaysia, namely Universiti Utara Malaysia, Universiti Teknologi Mara and Universiti Teknologi Malaysia. Pilot study data analysis was analyzed using SPSS version 24.0, while actual data used AMOS 22. Analysis of study data through SEM-AMOS involves measurement models (factor loading, convergent validity, composite reliability, and discriminant validity) and structural models (goodness-of-fit). The study found a relationship and influence between religiosity and attitudes toward the intention to repay educational loans. In addition, the validity and reliability of questionnaires through a high Confirmatory Factor Analysis (CFA) are valid to measure the religiosity, attitudes and intentions of education loans in Malaysia. This study successfully formed a model of religiosity, attitudes and intentions of repayment that corresponded to the research data. In conclusion, the developing this research model will assist towards the improvement of borrower selection policy in the future.
format	Thesis
qualification_name	other
qualification_level	Master's degree
author	Mohd Zaimi, Mohd Nor
author_facet	Mohd Zaimi, Mohd Nor
author_sort	Mohd Zaimi, Mohd Nor
title	Pembinaan model religiositi, sikap dan niat pembayaran balik pinjaman pendidikan di Malaysia
title_short	Pembinaan model religiositi, sikap dan niat pembayaran balik pinjaman pendidikan di Malaysia
title_full	Pembinaan model religiositi, sikap dan niat pembayaran balik pinjaman pendidikan di Malaysia
title_fullStr	Pembinaan model religiositi, sikap dan niat pembayaran balik pinjaman pendidikan di Malaysia
title_full_unstemmed	Pembinaan model religiositi, sikap dan niat pembayaran balik pinjaman pendidikan di Malaysia
title_sort	pembinaan model religiositi, sikap dan niat pembayaran balik pinjaman pendidikan di malaysia
granting_institution	Universiti Utara Malaysia
granting_department	Awang Had Salleh Graduate School of Arts & Sciences
publishDate	2024
url	https://etd.uum.edu.my/11194/1/permission%20to%20deposit-not%20allow-s826491.pdf https://etd.uum.edu.my/11194/2/s826491_01.pdf https://etd.uum.edu.my/11194/3/s826491_02.pdf
_version_	1804888216323489792

Pembinaan model religiositi, sikap dan niat pembayaran balik pinjaman pendidikan di Malaysia

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