A study on factors that influence demand of housing loan in Malaysia / Mohammad Aizal Anuar

This project paper attempts to identify the important factors that contribute significantly to demand of housing loan in Malaysia. During the Asian Financial crisis in 1997 and late 1998, the demand of housing seems be affected by the crisis. Due to unstable economic condition at that time, housing...

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المؤلف الرئيسي:	Anuar, Mohammad Aizal
التنسيق:	أطروحة
اللغة:	English
منشور في:	2011
الموضوعات:	Bank loans Bank credit Commercial loans Home banking services
الوصول للمادة أونلاين:	https://ir.uitm.edu.my/id/eprint/33441/1/33441.pdf
الوسوم:	إضافة وسم لا توجد وسوم, كن أول من يضع وسما على هذه التسجيلة!

id	my-uitm-ir.33441
record_format	uketd_dc
spelling	my-uitm-ir.334412020-08-13T03:47:51Z A study on factors that influence demand of housing loan in Malaysia / Mohammad Aizal Anuar 2011-04 Anuar, Mohammad Aizal Bank loans. Bank credit. Commercial loans Home banking services This project paper attempts to identify the important factors that contribute significantly to demand of housing loan in Malaysia. During the Asian Financial crisis in 1997 and late 1998, the demand of housing seems be affected by the crisis. Due to unstable economic condition at that time, housing loan is less demand and Malaysian people do not affordable to buy a house. The empirical evidence from many literatures witnessed that some of independent variables (interest rate, statutory reserve requirement, inflation rate and gross domestic product) have significant effect to the dependant variable (demand of housing loan). So, the primarily focus of this paper is, attempt to study on the relationship between independent variables (interest rate, statutory reserve requirement, inflation rate and gross domestic product) affects on the dependent variable demand of housing loan in Malaysia. This is important because this area of study has not been greatly researched in Malaysia. With that, interest rate, statutory reserve requirement, inflation rate and gross domestic product will be put as independent variables and demand of housing loan will be as the dependent variable. The aims of this present study are twofold: firstly to identify the relationship between inflation and interest rate, statutory reserve requirement, inflation rate and gross domestic product variables and secondly, to identify the most influenced factor that will affect demand of housing loan in Malaysia. A multiple linear regression model is employed to find the relationship between independent and dependent variable. All the data used, are in quarterly basis range from 1997 to 2010. The results indicate that only interest rate statutory reserve requirement and gross domestic product show a positive significant relationship towards the demand of housing loan in Malaysia. Meanwhile the inflation rate shows an insignificant negative relationship towards the demand of housing loan in Malaysia. Furthermore, the results by other researchers found that inflation rate is significant towards the demand of housing loan. This is maybe because inflation rate does not suitable to put together with others independent variables in this study. Hence, this study found that interest rate is the most influenced variable towards the demand of housing loan in Malaysia 2011-04 Thesis https://ir.uitm.edu.my/id/eprint/33441/ https://ir.uitm.edu.my/id/eprint/33441/1/33441.pdf text en public degree Universiti Teknologi MARA Cawangan Kelantan Faculty of Business and Management Shapiin, Prof. Madya Mohd Nor
institution	Universiti Teknologi MARA
collection	UiTM Institutional Repository
language	English
advisor	Shapiin, Prof. Madya Mohd Nor
topic	Bank loans Bank credit Commercial loans Home banking services
spellingShingle	Bank loans Bank credit Commercial loans Home banking services Anuar, Mohammad Aizal A study on factors that influence demand of housing loan in Malaysia / Mohammad Aizal Anuar
description	This project paper attempts to identify the important factors that contribute significantly to demand of housing loan in Malaysia. During the Asian Financial crisis in 1997 and late 1998, the demand of housing seems be affected by the crisis. Due to unstable economic condition at that time, housing loan is less demand and Malaysian people do not affordable to buy a house. The empirical evidence from many literatures witnessed that some of independent variables (interest rate, statutory reserve requirement, inflation rate and gross domestic product) have significant effect to the dependant variable (demand of housing loan). So, the primarily focus of this paper is, attempt to study on the relationship between independent variables (interest rate, statutory reserve requirement, inflation rate and gross domestic product) affects on the dependent variable demand of housing loan in Malaysia. This is important because this area of study has not been greatly researched in Malaysia. With that, interest rate, statutory reserve requirement, inflation rate and gross domestic product will be put as independent variables and demand of housing loan will be as the dependent variable. The aims of this present study are twofold: firstly to identify the relationship between inflation and interest rate, statutory reserve requirement, inflation rate and gross domestic product variables and secondly, to identify the most influenced factor that will affect demand of housing loan in Malaysia. A multiple linear regression model is employed to find the relationship between independent and dependent variable. All the data used, are in quarterly basis range from 1997 to 2010. The results indicate that only interest rate statutory reserve requirement and gross domestic product show a positive significant relationship towards the demand of housing loan in Malaysia. Meanwhile the inflation rate shows an insignificant negative relationship towards the demand of housing loan in Malaysia. Furthermore, the results by other researchers found that inflation rate is significant towards the demand of housing loan. This is maybe because inflation rate does not suitable to put together with others independent variables in this study. Hence, this study found that interest rate is the most influenced variable towards the demand of housing loan in Malaysia
format	Thesis
qualification_level	Bachelor degree
author	Anuar, Mohammad Aizal
author_facet	Anuar, Mohammad Aizal
author_sort	Anuar, Mohammad Aizal
title	A study on factors that influence demand of housing loan in Malaysia / Mohammad Aizal Anuar
title_short	A study on factors that influence demand of housing loan in Malaysia / Mohammad Aizal Anuar
title_full	A study on factors that influence demand of housing loan in Malaysia / Mohammad Aizal Anuar
title_fullStr	A study on factors that influence demand of housing loan in Malaysia / Mohammad Aizal Anuar
title_full_unstemmed	A study on factors that influence demand of housing loan in Malaysia / Mohammad Aizal Anuar
title_sort	study on factors that influence demand of housing loan in malaysia / mohammad aizal anuar
granting_institution	Universiti Teknologi MARA Cawangan Kelantan
granting_department	Faculty of Business and Management
publishDate	2011
url	https://ir.uitm.edu.my/id/eprint/33441/1/33441.pdf
_version_	1783734239179571200

A study on factors that influence demand of housing loan in Malaysia / Mohammad Aizal Anuar

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