Kekangan Pinjaman dan Kesannya ke atas Pengumpulan Modal Manusia: Satu Analisis Empirik

Authors

  • Zulkifly Osman Fakulti Ekonomi & Pengurusan Universiti Kebangsaan Malaysia, Malaysia
  • Ishak Yusoff Fakulti Ekonomi & Pengurusan Universiti Kebangsaan Malaysia, Malaysia
  • Pui Wee Hua UKM Pakarunding Sdn. Bhd. Universiti Kebangsaan Malaysia, Malaysia

DOI:

https://doi.org/10.32890/ijms2004.11.1.12

Abstract

Hasil kajian lepas menunjukkan bahawa kekangan pinjaman meningkatkan tabungan agregat dan oleh itu, boleh meningkatkan pertumbuhan ekonomi. Namun begitu, kajian ini mendapati halangan meminjam boleh mengurangkan proses pengumpulan modal manusia dan dengan ini boleh mengekang pertumbuhan ekonomi. Dengan menggunakan data Malaysia,hasil kajian menunjukkan bahawa apabila kekangan pinjaman meningkat, individu akan kurang melabur dalam pendidikan dun seterusnya modal manusia merosot.

 

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Published

05-06-2004

Issue

Vol. 11 No. 1 (2004): International Journal of Management Studies (IJMS) Vol. 11, No. 1 June 2004

Section

Articles

Research impact

Harvested 2026-09-07
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Identifiers DOI 10.32890/ijms2004.11.1.12 OpenAlex W7067005707

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