Analysis of individual and organisational factors on loan decision performance among bank officers / Natalia Hakimi

Hakimi, Natalia (2022) Analysis of individual and organisational factors on loan decision performance among bank officers / Natalia Hakimi. PhD thesis, Universiti Teknologi MARA (UiTM).

Abstract

Frequent occurrences of fraud cases involving the banking institutions have triggered an alarming concern, especially on the loan application issues. There were numerous reported incidences involving bank officer's poor judgement which can irreparably tarnish the banking profession. Due to the incidences involving the loan fraud cases in the banking sectors, it has led to the issues involving bank officers' loan decision performance to be fore fronted and closely scrutinized. In the banking profession, the risk judgement and decision-making are complex processes because the processes have to undergo the bank officer's fiduciary obligation to their clients, banking regulations by the institutions itself and regulation set-up by Bank Negara Malaysia (BNM). The purpose of this study is to examine the effect of competency, internal control, teamwork, information technology support, data security and fraud indicators intensity on the loan decision performance. Based on The Behavioural Decision Theory (BDT), this study addresses these shortcomings by taking into account the combined effect of internal and external factors on the loan decision performance of the bank officers. A survey method with a total respondent of 234 bank officers, had been used in this study. Overall, the results through the analysis of Partial Least Squares (PLS) of Structural Equation Modelling had confirmed the effect of the internal and external factors in influencing the bank officers' loan decision performance.

Metadata

Item Type: Thesis (PhD)
Creators:
Creators
Email / ID Num.
Hakimi, Natalia
2015298654
Contributors:
Contribution
Name
Email / ID Num.
Thesis advisor
Mohd Sanusi, Zuraidah
UNSPECIFIED
Subjects: H Social Sciences > HG Finance > Banking > Bank loans. Bank credit. Commercial loans
Divisions: Universiti Teknologi MARA, Shah Alam > Accounting Research Institute (ARI)
Programme: AR952
Keywords: Individual, Organisational factors, Loan decision performance
Date: 2022
URI: https://ir.uitm.edu.my/id/eprint/75804
Edit Item
Edit Item

Download

[thumbnail of 75804.pdf] Text
75804.pdf

Download (208kB)

Digital Copy

Digital (fulltext) is available at:

Physical Copy

Physical status and holdings:
Item Status:

ID Number

75804

Indexing

Statistic

Statistic details