A study on the factors that cause IPT graduates deferred debts at Kota Bharu, Kelantan / Nur Shamimi Pauzi

Loan is something that relates with much kind of matters in this world. Loan is given to the person that is not able to expand for their life. The loan given will be reduced the burden of the people. The loan that is mean can be divided into several types which are either personal loans, educational loans or others. For this research, it is conducted in objective to determine the factors that cause IPT graduates students deferred debts. A survey is among graduates’ students that have work already. The factors that were selected to meet the objectives of this study are including three factors. It is determine as an independent variables. The independent variables for this study are financial constraint, attitudes of the borrower and characteristics of the borrower in paying debts of educational loans. In this research, the researcher used a primary data which the structured of questionnaires. With the distribution of the questionnaires, the researcher will get the information to support and collect data that support the objectives of the research. The information and the data are gathering through from government and also private sectors. This research also represents the kind of the borrowers who are having problems in repayment their educational loans and how they should managed to settle their loan repayment consistently. The researcher can identify the problems of the borrower and able to take corrective action to solve this problems. The useful recommendations also provided in order to improve this problems and it is supported for future research