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Sek Khin Edward Wong
Ahmad Nasharuddin
Kamisah Ismail


This study examined the factors that encouraged and influenced the intention to make repayment of education loan, National Higher Education Fund Corporation (PTPTN) in Malaysia. The study adapted the Theory of Reasoned Action (TRA) based on the study of Fishbein and Ajzen (1980) whose aim was mainly to predict the attitudinal influence and behavioural intention. In order to investigate people's thinking process that leads to the decision of repayment, the study would be a descriptive study based on 300 participants who graduated from one of the public universities in Malaysia. The correlation analysis resulted from this study confirmed previous researchers' observations that linked higher educational loan repayment commitments with a higher ability to predict attitudinal influence and behavioural intention. The results suggested that among the three factors namely; attitude towards education loan repayment; perception of affordability of loan repayment that affects the quality of life after graduation, and perception towards loan agreements were the most important predictors of repayment of education loan management. The findings from this study could assist the National Higher Education Fund Corporation (PTPTN) to understand further their borrower insights in paying back loans owed. The knowledge can also assist policymakers to understand better specific strategies, approaches and other relevant matters in making sure that borrowers comply with the repayment conditions while not being a burden to both government and the public.

Key words: Education loan repayment, Theory of reasoned action, attitudinal influence, and behavioural intention.


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