The problem of PTPTN scholarship defaulters: Graduates avoiding payment

Various financial aids are provided by the government to help students continue their studies to a higher level such as PTPTN loans, MARA loans, as well as loans or scholarships from several non-government organizations. Most students have applied for PTPTN because the conditions are open to all Malaysian citizens regardless of household income and previous exam grades. Nowadays, most successful graduates are PTPTN borrowers but most graduates avoid repaying loans and it still exists among young people. Most half of the graduates do not pay the loan due to several factors that can affect this problem. Therefore, this study focuses on the problem of PTPTN scholarship borrowers: graduates avoiding repayment. This study is focusing on the problem of graduates who are avoid from paying back their loan especially in PTPTN loan. The aim of this study is to identify the relationship between the integrity, media awareness, parental influence, job marketability and the problem of graduates avoiding repayment.