Factors influencing bankruptcy among debtors in Malaysia / Ainul Hanini Mohamed Arib

The purpose of this study is to examine the relationship between bankruptcy and the factors that influence to bankruptcy (hire purchase, credit card, housing loan and unemployment) for over 9 years from 2007 to 2015. Data is collected mainly from Bank Negara Malaysia and Department of Insolvency to find bankruptcy rate and the factors that influence the bankruptcy among Malaysian consumers throughout the year 2007 to 2015 with quarterly data. The data collected will summary in the e-views. Multiple regression analysis is used to identify the relationship between the dependent and independent variables. Result from e-views revealed that all the factors predicted bankruptcy. Thus, all hypotheses were supported. The study also suggested the needed program in effort to avoid and reduce bankruptcy.