Factors affecting the lending rate: a case of banking sector in Malaysia / Nurain Fatimah Azmi

The variation of lending rate of the commercial banks in Malaysia has been the main issue when the customers are considering about having a loan. There were factors that influencing the determination of lending rate for commercial banks in Malaysia. The main objective of this study is to determine t...

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Main Author:	Azmi, Nurain Fatimah
Format:	Student Project
Language:	English
Published:	Faculty of Business Management 2018
Subjects:	Bank loans. Bank credit. Commercial loans
Online Access:	http://ir.uitm.edu.my/id/eprint/26725/ http://ir.uitm.edu.my/id/eprint/26725/1/PPb_NURAIN%20FATIMAH%20AZMI%20BM%20J%2018_5.pdf

id	uitm-26725
recordtype	eprints
spelling	uitm-267252019-12-09T03:36:10Z http://ir.uitm.edu.my/id/eprint/26725/ Factors affecting the lending rate: a case of banking sector in Malaysia / Nurain Fatimah Azmi Azmi, Nurain Fatimah Bank loans. Bank credit. Commercial loans The variation of lending rate of the commercial banks in Malaysia has been the main issue when the customers are considering about having a loan. There were factors that influencing the determination of lending rate for commercial banks in Malaysia. The main objective of this study is to determine the relationship between inner factors and lending rate of commercial banks in Malaysia. This study use panel data method. The period of the study is for 3 years specifically for the year of 2015 to 2017. This study is conducted by using annual data basis for 10 commercial banks in Malaysia. The sample data were sourced from annual financial report for each of the commercial banks. Commercial banks which will be the sample in this study is Affin Bank Bhd, Alliance Bank Malaysia Bhd, AmBank(M) Bhd, Citibank Bhd, CIMB Bank Bhd, Hong Leong Bank Bhd, HSBC Bank Malaysia Bhd, OCBC Bank (Malaysia) Bhd, Public Bank Bhd and RHB Bank Bhd. In this study, lending rate is the dependent variable. To measure the relationship towards determination of lending rate, capital adequacy, management efficiency, liquidity, loan to asset and deposit to asset ratio has been selected as the independent variables. From this study, loan to asset and deposit to asset ratio are expected to have the negative significant relationship with lending rate which indicates that both of the ratio have an inverse relationship with lending rate. Liquidity ratio are expected to have a positive significant relationship towards lending rate. Faculty of Business Management 2018 Student Project NonPeerReviewed text en http://ir.uitm.edu.my/id/eprint/26725/1/PPb_NURAIN%20FATIMAH%20AZMI%20BM%20J%2018_5.pdf Azmi, Nurain Fatimah (2018) Factors affecting the lending rate: a case of banking sector in Malaysia / Nurain Fatimah Azmi. [Student Project] (Unpublished)
repository_type	Digital Repository
institution_category	Local University
institution	Universiti Teknologi MARA
building	UiTM Institutional Repository
collection	Online Access
language	English
topic	Bank loans. Bank credit. Commercial loans
spellingShingle	Bank loans. Bank credit. Commercial loans Azmi, Nurain Fatimah Factors affecting the lending rate: a case of banking sector in Malaysia / Nurain Fatimah Azmi
description	The variation of lending rate of the commercial banks in Malaysia has been the main issue when the customers are considering about having a loan. There were factors that influencing the determination of lending rate for commercial banks in Malaysia. The main objective of this study is to determine the relationship between inner factors and lending rate of commercial banks in Malaysia. This study use panel data method. The period of the study is for 3 years specifically for the year of 2015 to 2017. This study is conducted by using annual data basis for 10 commercial banks in Malaysia. The sample data were sourced from annual financial report for each of the commercial banks. Commercial banks which will be the sample in this study is Affin Bank Bhd, Alliance Bank Malaysia Bhd, AmBank(M) Bhd, Citibank Bhd, CIMB Bank Bhd, Hong Leong Bank Bhd, HSBC Bank Malaysia Bhd, OCBC Bank (Malaysia) Bhd, Public Bank Bhd and RHB Bank Bhd. In this study, lending rate is the dependent variable. To measure the relationship towards determination of lending rate, capital adequacy, management efficiency, liquidity, loan to asset and deposit to asset ratio has been selected as the independent variables. From this study, loan to asset and deposit to asset ratio are expected to have the negative significant relationship with lending rate which indicates that both of the ratio have an inverse relationship with lending rate. Liquidity ratio are expected to have a positive significant relationship towards lending rate.
format	Student Project
author	Azmi, Nurain Fatimah
author_facet	Azmi, Nurain Fatimah
author_sort	Azmi, Nurain Fatimah
title	Factors affecting the lending rate: a case of banking sector in Malaysia / Nurain Fatimah Azmi
title_short	Factors affecting the lending rate: a case of banking sector in Malaysia / Nurain Fatimah Azmi
title_full	Factors affecting the lending rate: a case of banking sector in Malaysia / Nurain Fatimah Azmi
title_fullStr	Factors affecting the lending rate: a case of banking sector in Malaysia / Nurain Fatimah Azmi
title_full_unstemmed	Factors affecting the lending rate: a case of banking sector in Malaysia / Nurain Fatimah Azmi
title_sort	factors affecting the lending rate: a case of banking sector in malaysia / nurain fatimah azmi
publisher	Faculty of Business Management
publishDate	2018
url	http://ir.uitm.edu.my/id/eprint/26725/ http://ir.uitm.edu.my/id/eprint/26725/1/PPb_NURAIN%20FATIMAH%20AZMI%20BM%20J%2018_5.pdf
first_indexed	2023-09-18T23:17:21Z
last_indexed	2023-09-18T23:17:21Z
_version_	1777419201040875520

Factors affecting the lending rate: a case of banking sector in Malaysia / Nurain Fatimah Azmi

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