Antecedents of the educational loan repayment among the POLIMAS students

Rising in the Malaysian cost of living, as well as the government constraint in providing sufficient aid together with the narrow performance of PTPTN repayment collection, called for the citizen to make saving for future education. Various plan
and strategies proposed by the government to manage the overspending issues, however, the results found to end up with the more desperate condition. Concerns with these, this study, therefore determining the significants antecedents which
encouraging the intention of educational loan repayment. Few arguments raised in accordance to problem centered within the current debated isssues. For that intenses, this study contributes 400 questionnaires to POLIMAS student, which subsequently provided by the 327 valid's and reliable responses. Resulted, all the proposed
antecedents found to significantly related to the educational loan repayment. The parental socialization is found to be most influential. Overall, this study manages to fulfill the targeted objectives. Nevertheless, there were some important issues regarding the limitation in sample size, the constraint of the literature review as well as the cost and time constraints. Future study is recommended to investigate the other significant antecedents related to the goverment and managerial practice policy and strategy.