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Knowledge, attitude and perceptions of university students towards educational loans in Malaysia


Abu Bakar, Elistina and Masud, Jariah and Md Jusoh, Zuroni (2006) Knowledge, attitude and perceptions of university students towards educational loans in Malaysia. Journal of Family and Economic Issues, 27 (4). pp. 692-701. ISSN 1058-0476; ESSN: 1573-3475


National Higher Education Fund Corporation (PTPTN) loan is the major source of financing tertiary education in Malaysia. Non-repayment of the loan among university students after they have graduated becomes a major problem to the government since the total amount of loan available to the students is depended on the loan repayment. This study sought to examine the students’ knowledge and attitude regarding the loan. Three aspects of focus are knowledge, attitude and perception of students towards the loan and the repayment of the loan. This study also analyzed the legal literacy of students towards the PTPTN agreement. A total of 1,500 students of University Putra of Malaysia participated in the study and data were collected using self-administered questionnaire. The findings revealed that students have good knowledge about PTPTN loan agreement but there were a significant proportion of students with negative attitudes towards the repayment of the loan. Majority of them perceived the loan as a burden to them and it limits many options of their life after graduation.

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Additional Metadata

Item Type: Article
Divisions: Faculty of Human Ecology
DOI Number: https://doi.org/10.1007/s10834-006-9035-6
Publisher: Springer
Keywords: College students; Educational loan; Malaysia
Depositing User: Azwana Abdul Rahman
Date Deposited: 04 Aug 2011 07:46
Last Modified: 17 Jan 2020 03:35
Altmetrics: http://www.altmetric.com/details.php?domain=psasir.upm.edu.my&doi=10.1007/s10834-006-9035-6
URI: http://psasir.upm.edu.my/id/eprint/18024
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