Household debt: impact of Mortgage financing towards banking institutions in Malaysia / Juriah Jamalludin

Jamalludin, Juriah (2011) Household debt: impact of Mortgage financing towards banking institutions in Malaysia / Juriah Jamalludin. [Student Project] (Unpublished)

Abstract

Analyst and statistical data reported a rapid growth in household debt since the 1997 Asian financial crisis. This upward trend scenario is worrying if its left unchecked will develop a household credit bubble in the banking industry. On the other hand, there is lack of study exploring the relationship between loan growth and economic indicators. Therefore, this study tries to extend the body of knowledge by analyzing the status of Malaysian household debt in general and Mortgage financing in details by using four selected economic indicators namely, Malaysia House Price Indictor (MHPI), Base Lending Rates (BLR), Gross National Income Per Capita (GNI/C) and Non-Performing Loan (NPL). The linear regression model on single and multiple relationship was applied towards the quarterly time series and cross sectional data for period of 11 years start from 1st Quarter of 2000 to 4th Quarter of 2010. The results on single relationship show that there is a relationship between independent and dependent variable while, the result on multiple relationship shows that dependent variable is affected by only 3 independent variable namely, MHPI, BLR and GNI/C. Eventually, the result from this study will create awareness to the government, regulators, investors, banking industry and even the household itself to look closely into this issue.

Metadata

Item Type: Student Project
Creators:
Creators
Email / ID Num.
Jamalludin, Juriah
UNSPECIFIED
Subjects: H Social Sciences > HG Finance > Banking
H Social Sciences > HG Finance > Personal finance. Financial literacy
H Social Sciences > HG Finance > Credit. Debt. Loans
H Social Sciences > HG Finance > Credit. Debt. Loans > Commercial credit. Commercial loans. Credit management
Divisions: Universiti Teknologi MARA, Melaka > Bandaraya Melaka Campus > Faculty of Business and Management
Keywords: Household debt; Mortgage financing; Banking institutions
Date: 2011
URI: https://ir.uitm.edu.my/id/eprint/25054
Edit Item
Edit Item

Download

[thumbnail of PPb_JURIAH JAMALLUDIN M BM 11_5.pdf] Text
PPb_JURIAH JAMALLUDIN M BM 11_5.pdf

Download (743kB)

Fulltext

Fulltext is available at:
  • Library Terminal Workstation (Digital Format) - Accessible via UiTM Libraries

ID Number

25054

Indexing

|

Statistic

Statistic details