Factor affecting of the probability of credit card default: the case of government servant in Johor Bahru / Muhamad Izudin R.Azeman

In Malaysia banking sector, the issue of default payment on financing has become a major issue emphases by most of the banking in Malaysia. The bad effect of default payment on financing among customer is when it turns into Non-performing loan. One of the causes of the default payment is credit card usage. Credit card debt has become one of the most common problems in the Malaysia. The total amount uses by consumer in their transactions that will end up with payment default and will be threatened and give impact to the economy should be seriously focused. The purpose of this study is to determine the factor that bringing the default payment in credit card debt among government servant in Johor Bahru. This research has taken a 100 respondent that consist from the customer in Malaysia Banking sector. In order to accomplish this survey, SPSS system with multiple regression, structured questionnaire and convenience sampling will be used to analyze the result.