A study of factors influencing loan repayment default in microfinance programmes at Bank Simpanan Nasional (BSN), Kota Bharu, Kelantan / Nurul Nabila Mohamad Muneer

This paper reports an descriptive study on the factors influencing loan repayment default in the Microfinance Programmes at the Bank Simpanan Nasional (BSN), Kota Bharu. The objective of this study is to know what are the factors that will be significant influence to the loan repayment default in the microfinance programmes. For this study, the researcher is using the primary data which involve with the distributing the questionnaires to the
respondents. The respondents for this study is being selected by the simple random method throughout the list name of borrowers that have already have the experiences to be default in the loan repayment activities. There are 90 respondents that involved in this study. The researcher is using the logistic regression as the method of analysis that will involved with the interpretation of Hosmer and Lemeshow tests and Odd Ratio interpretation. This study
involved with three independent variable which are the business experiences, business industries and business revenues. At the end of the study, the finding reveals that the only variable of business revenues is significant influence to the loan repayment default in Microfinance Programmes at BSN, Kota Bharu.