Assessing money attitude dimensions and loan default, moderated by religiosity among Kedah Muslim small and medium enterprises (SMEs)

Assessing money attitude dimensions and loan default, moderated by religiosity among Kedah Muslim small and medium enterprises (SMEs)

Small and Medium Enterprises (SMEs) play vital role in a nation’s development and economic growth. However, in spite of their contributions SMEs are criticized for their high rate of bankruptcy which was caused by the non-performing loan and default problem. This study is conducted with the aim of...

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Main Author: Jihan, Ahmad
Format: Thesis
Language:eng
eng
Published: 2016
Subjects:
HB615-715 Entrepreneurship
Risk and uncertainty
Property
HG Finance
Online Access:https://etd.uum.edu.my/6342/1/s92023_01.pdf
https://etd.uum.edu.my/6342/2/s92023_02.pdf
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id my-uum-etd.6342
record_format uketd_dc
institution Universiti Utara Malaysia
collection UUM ETD
language eng
eng
advisor Othman, Abdul Rahim
Sulaiman, Yaty
topic HB615-715 Entrepreneurship
Risk and uncertainty
Property
HG Finance
spellingShingle HB615-715 Entrepreneurship
Risk and uncertainty
Property
HG Finance
Jihan, Ahmad
Assessing money attitude dimensions and loan default, moderated by religiosity among Kedah Muslim small and medium enterprises (SMEs)
description Small and Medium Enterprises (SMEs) play vital role in a nation’s development and economic growth. However, in spite of their contributions SMEs are criticized for their high rate of bankruptcy which was caused by the non-performing loan and default problem. This study is conducted with the aim of assessing the relationship between money attitude dimensions, towards default and moderated by religiosity among Muslim SMEs. The theoretical underpinning Plan Behavior and Default Behavior serves as the basis framework of this study. The objectives of this study are to examine the relationship between money attitude dimensions which include power-prestige, retention-time, distrust, anxiety towards loan default and to investigate whether religiosity moderates the relationship between money attitude dimensions and loan default among Muslim owner-manager of SMEs in state of Kedah. The study employs a quantitative approach through self-administered survey structured questionnaires. Using multistage cluster and systematic sampling technique, a total of 612 questionnaires were distributed and 346 had returned, representing 57 percent of the response rate. The finding validates a significant effect of money attitude dimensions and religiosity on loan default. The study indicates significant relationships between power-prestige, retention-time, and distrust with loan default. In addition, religiosity fully moderates the relationship between the power-prestige and distrust dimensions and loan default. The implications of finding are discussed and recommendations are made to the financial institutions and the policy maker of SMEs sector to improve the performance of loan record parallel with their vital role contributing in the economic growth of country. Suggestion also made on the direction of research in future time.
format Thesis
qualification_name Doctor of Business Administration (DBA)
qualification_level Doctorate
author Jihan, Ahmad
author_facet Jihan, Ahmad
author_sort Jihan, Ahmad
title Assessing money attitude dimensions and loan default, moderated by religiosity among Kedah Muslim small and medium enterprises (SMEs)
title_short Assessing money attitude dimensions and loan default, moderated by religiosity among Kedah Muslim small and medium enterprises (SMEs)
title_full Assessing money attitude dimensions and loan default, moderated by religiosity among Kedah Muslim small and medium enterprises (SMEs)
title_fullStr Assessing money attitude dimensions and loan default, moderated by religiosity among Kedah Muslim small and medium enterprises (SMEs)
title_full_unstemmed Assessing money attitude dimensions and loan default, moderated by religiosity among Kedah Muslim small and medium enterprises (SMEs)
title_sort assessing money attitude dimensions and loan default, moderated by religiosity among kedah muslim small and medium enterprises (smes)
granting_institution Universiti Utara Malaysia
granting_department Othman Yeop Abdullah Graduate School of Business
publishDate 2016
url https://etd.uum.edu.my/6342/1/s92023_01.pdf
https://etd.uum.edu.my/6342/2/s92023_02.pdf
_version_ 1747828062600298496
spelling my-uum-etd.63422021-04-05T02:44:30Z Assessing money attitude dimensions and loan default, moderated by religiosity among Kedah Muslim small and medium enterprises (SMEs) 2016 Jihan, Ahmad Othman, Abdul Rahim Sulaiman, Yaty Othman Yeop Abdullah Graduate School of Business Othman Yeop Abdullah Graduate School of Business HB615-715 Entrepreneurship. Risk and uncertainty. Property HG Finance Small and Medium Enterprises (SMEs) play vital role in a nation’s development and economic growth. However, in spite of their contributions SMEs are criticized for their high rate of bankruptcy which was caused by the non-performing loan and default problem. This study is conducted with the aim of assessing the relationship between money attitude dimensions, towards default and moderated by religiosity among Muslim SMEs. The theoretical underpinning Plan Behavior and Default Behavior serves as the basis framework of this study. The objectives of this study are to examine the relationship between money attitude dimensions which include power-prestige, retention-time, distrust, anxiety towards loan default and to investigate whether religiosity moderates the relationship between money attitude dimensions and loan default among Muslim owner-manager of SMEs in state of Kedah. The study employs a quantitative approach through self-administered survey structured questionnaires. Using multistage cluster and systematic sampling technique, a total of 612 questionnaires were distributed and 346 had returned, representing 57 percent of the response rate. The finding validates a significant effect of money attitude dimensions and religiosity on loan default. The study indicates significant relationships between power-prestige, retention-time, and distrust with loan default. In addition, religiosity fully moderates the relationship between the power-prestige and distrust dimensions and loan default. The implications of finding are discussed and recommendations are made to the financial institutions and the policy maker of SMEs sector to improve the performance of loan record parallel with their vital role contributing in the economic growth of country. Suggestion also made on the direction of research in future time. 2016 Thesis https://etd.uum.edu.my/6342/ https://etd.uum.edu.my/6342/1/s92023_01.pdf text eng public https://etd.uum.edu.my/6342/2/s92023_02.pdf text eng public dba dba Universiti Utara Malaysia Abor, J and Quartey, P. (2010). Issue in SMEs in Ghana and South Research. Journal of Finance and Economics Issues, 39, 218-228. Acquah, H.D. and J. Addo, J. (2011), Determinants of Loan Repayment Performance of Fishermen: Empirical Evidence from Ghana. Cercetări Agronomice în Moldova, 4, 89-97. Addae-Korankye, A. (2014). Causes and Control of Loan Default/Delinquency in Microfinance Institutions in Ghana. American International Journal of Contemporary Research, 4, 36-45. 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