The determinant of personal loan: evidence from Sabah Credit Sandakan Sabah / Norfadzilah Juhuri

This paper are to identify the determinant of the personal loan which the evidence collected from Sabah Credit Sandakan by using questionnaire. This paper using primary data with using 100 of respondent data based on the questionnaire that being answered. This paper using lifestyle, interest rate and influence from family and/or friend as independent variable which to answer either there a significant relationship with personal loan among Sabah Credit Sandakan’s customer that also act as dependent variable. This paper using Sosial Package for Social Science software (SPSS) which using cross-tabulation and Pearson chi-square to identify two variable relationship between independent variables and dependent variables. The result of data use Pearson chi-square which the p-value that less than 0.05 reject the null hypothesis 0r H0. After the analysing the data, it found out that all the dependent variable do not have any significant relationship with the personal loan among customer in Sabah Credit Sandakan. The reason for this are due to time constraint, inaccurate information given by customer, limited respondent and also only specific to one location of data collection. This will be explain more on this research paper. Due to this result, further research with similar topic will be encourage for obtaining accurate result.