Loan Delinquency: Some Determining Factors

Fennee Chong

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    The main objective of this paper is to investigate the determining factors of loan delinquencies from the perspective of borrower attributes and loan characteristics. Empirical results indicated that the borrower-lender distance factor, collateral, education levels as well as availability of a monthly budget are having significant effects on loan delinquencies. On the other hand, level of income and gender have no significant impact on repayment behaviour. Credit is good as it allows the borrowers financial flexibility, however, debt is viewed as bad if it was not managed properly. Therefore, a correct attitude towards credit management and self-discipline can be encouraged to reduce loan default rates.
    Original languageEnglish
    Article number320
    Pages (from-to)1-7
    Number of pages7
    JournalJournal of Risk and Financial Management
    Issue number7
    Publication statusPublished - Jul 2021


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