A study of intention to repay the PTPTN among public university graduates in Malaysia

This study examines the relationship between public university graduates' intention to repay educational loan, and their attitude, financial behavior, and parental influence. This study employs descriptive statistics to describe the basic features of the data, while validity and reliability analysis assess the quality of measurements tests like Pearson's correlation and Multiple Linear Regression are used to analyze relationships between variables in actual research. The data was collected using a Google Form with the total of 388 responses were received. According to the findings, attitude, financial behavior, and parental influence, positively correlated with the intention to repay the PTPTN loan among public university graduates. This study is to identify the reasons for poor repayment intentions through attitude, financial behavior, and parental influence. Based on these variables, several corrective interventions can be made to increase loan repayment rates among Malaysian borrowers and the discovery from this research is to raise awareness of the importance and responsibility of education loan repayment.