Repayment of National Higher Education Fund Corporation (PTPTN) Loans-Factor Influencing Graduates

Pirivaaschini Mohanraj, Santhi Appannan, Barathy Doraisamy
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Abstract

In many countries, education loan is provided as a primary source and alternative financial assistance by their government in order to reduce the financial burden of students at various level throughout their studies. In Malaysia, National Higher Education Fund Corporation (PTPTN), that provides education loans for students has made national headlines in the past years for low repayment rates from its borrowers. Thus, the issue of low repayment rates by borrowers is undoubtedly subjected to research attention. This paper examines the factors influencing graduates repayment of National Higher Education Fund in Penang, Malaysia. Data for this research was collected via online structured questionnaires which were completed by 118 graduates from Penang who received their education loan from the National Higher Education Fund (PTPTN). The collected data were then quantitatively analyzed using multiple regressions. The analysis showed a negative relationship between the factors influencing graduates repayment of education loan which is media influence, borrowers’ attitude, affordability and incentives towards loan repayment.
国家高等教育基金公司贷款偿还——影响毕业生的因素
在许多国家,教育贷款是政府提供的主要来源和替代经济援助,以减轻学生在整个学习过程中的经济负担。在马来西亚,为学生提供教育贷款的国家高等教育基金公司(PTPTN)在过去几年里因借款人的低还款率而登上了全国头条。因此,借款人的低还款率问题无疑受到了研究的关注。本文研究了马来西亚槟城大学毕业生偿还国家高等教育基金的影响因素。这项研究的数据是通过在线结构化问卷收集的,由118名从国家高等教育基金(PTPTN)获得教育贷款的槟城毕业生完成。然后使用多元回归对收集的数据进行定量分析。分析表明,影响大学生教育贷款偿还的因素媒体影响、借款人态度、可承受性和贷款偿还动机之间呈负相关关系。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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