Determinants of bank officers’ intention to repayment risk minimization of small and medium sized enterprises in Malaysia

The purpose of this study is to investigate the intention of Malaysian bank officers to minimise repayment risks when they offer products to Small and Medium-sized Enterprises (SME’s). In the past, there were many studies about the demand side of the credit supply (for example, difficulties in obtai...

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Main Author:	Yong, Wooi Keong
Format:	Thesis
Language:	English
Published:	2022
Subjects:	H Social Sciences (General)
Online Access:	http://eprints.utm.my/108334/1/YongWooiKeongPAHIBS2022.pdf.pdf
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id	my-utm-ep.108334
record_format	uketd_dc
spelling	my-utm-ep.1083342024-11-01T03:32:30Z Determinants of bank officers’ intention to repayment risk minimization of small and medium sized enterprises in Malaysia 2022 Yong, Wooi Keong H Social Sciences (General) HD Industries. Land use. Labor The purpose of this study is to investigate the intention of Malaysian bank officers to minimise repayment risks when they offer products to Small and Medium-sized Enterprises (SME’s). In the past, there were many studies about the demand side of the credit supply (for example, difficulties in obtaining credit). However, studies on the supply side of credit were largely neglected. This study aims to determine the factors that are hypothesised to influence the intention of the bank officers to minimise repayment risks from SME’s. As the Theory of Planned Behaviour predominantly uses a quantitative research method, a research questionnaire was created as the research instrument and the non-probability sampling method (i.e. snowball sampling) was used to locate the respondents that fulfils the sampling criteria. The data collected was assessed using the measurement model and structural model and confirmed to be valid. The theory was extended by moderating the predictors of intention and the effects of past experience was also tested on intention. In addition, the model’s out-of-sample predictive ability is also assessed and predictive power is confirmed. The results of the study confirms the validity of all of the hypothesis except two. These results show there is a way to minimise SME repayment risks by using the banks’ human resources, and the application of Theory of Planned Behaviour can be extended to the banking field. It contributes to identifying factors that influences the intention of Malaysian bank officers to minimise repayment risks from SME’s. Also, it may contribute to the training provided by banks to its loan officers with a view to minimising non-performing loans (NPL’s) from SME’s in the future. 2022 Thesis http://eprints.utm.my/108334/ http://eprints.utm.my/108334/1/YongWooiKeongPAHIBS2022.pdf.pdf application/pdf en public http://dms.library.utm.my:8080/vital/access/manager/Repository/vital:154400 phd doctoral Universiti Teknologi Malaysia Azman Hashim International Business School
institution	Universiti Teknologi Malaysia
collection	UTM Institutional Repository
language	English
topic	H Social Sciences (General) H Social Sciences (General)
spellingShingle	H Social Sciences (General) H Social Sciences (General) Yong, Wooi Keong Determinants of bank officers’ intention to repayment risk minimization of small and medium sized enterprises in Malaysia
description	The purpose of this study is to investigate the intention of Malaysian bank officers to minimise repayment risks when they offer products to Small and Medium-sized Enterprises (SME’s). In the past, there were many studies about the demand side of the credit supply (for example, difficulties in obtaining credit). However, studies on the supply side of credit were largely neglected. This study aims to determine the factors that are hypothesised to influence the intention of the bank officers to minimise repayment risks from SME’s. As the Theory of Planned Behaviour predominantly uses a quantitative research method, a research questionnaire was created as the research instrument and the non-probability sampling method (i.e. snowball sampling) was used to locate the respondents that fulfils the sampling criteria. The data collected was assessed using the measurement model and structural model and confirmed to be valid. The theory was extended by moderating the predictors of intention and the effects of past experience was also tested on intention. In addition, the model’s out-of-sample predictive ability is also assessed and predictive power is confirmed. The results of the study confirms the validity of all of the hypothesis except two. These results show there is a way to minimise SME repayment risks by using the banks’ human resources, and the application of Theory of Planned Behaviour can be extended to the banking field. It contributes to identifying factors that influences the intention of Malaysian bank officers to minimise repayment risks from SME’s. Also, it may contribute to the training provided by banks to its loan officers with a view to minimising non-performing loans (NPL’s) from SME’s in the future.
format	Thesis
qualification_name	Doctor of Philosophy (PhD.)
qualification_level	Doctorate
author	Yong, Wooi Keong
author_facet	Yong, Wooi Keong
author_sort	Yong, Wooi Keong
title	Determinants of bank officers’ intention to repayment risk minimization of small and medium sized enterprises in Malaysia
title_short	Determinants of bank officers’ intention to repayment risk minimization of small and medium sized enterprises in Malaysia
title_full	Determinants of bank officers’ intention to repayment risk minimization of small and medium sized enterprises in Malaysia
title_fullStr	Determinants of bank officers’ intention to repayment risk minimization of small and medium sized enterprises in Malaysia
title_full_unstemmed	Determinants of bank officers’ intention to repayment risk minimization of small and medium sized enterprises in Malaysia
title_sort	determinants of bank officers’ intention to repayment risk minimization of small and medium sized enterprises in malaysia
granting_institution	Universiti Teknologi Malaysia
granting_department	Azman Hashim International Business School
publishDate	2022
url	http://eprints.utm.my/108334/1/YongWooiKeongPAHIBS2022.pdf.pdf
_version_	1818646941310910464

Determinants of bank officers’ intention to repayment risk minimization of small and medium sized enterprises in Malaysia

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