—This study investigates the factors affecting
borrowing intention among fresh graduates of Malaysia based
on the Theory of Planned Behavior (TPB). About 153
questionnaires were accepted and analyzed using structural
equation modeling (SEM) in determining the relationships. The
results show that borrowing intention amongst fresh graduates
is influenced by self-identity and perceived behavior control.
The young graduates believe that they have complete control of
their behavior in borrowing as they perceived to be equipped
with the knowledge about the personal financing. In addition,
because of their experience in students’ loans since
undergraduates’ level, the result explains why self-identity was
found to be a significant predictor. The findings offer
implications for researchers and government.
—Borrowing, self-identity, theory planned
Zarina Denan is with the Universiti Teknologi Mara, Malaysia (e-mail:
Cite: Zarina Denan, Akmal Aini Othman, Muhammad Noor Izami Ishak, Mohd Fazril Mustaza Kamal, and
Muhammad Hanif Hasan, " The Theory of Planned Behavior and Self-Identity Factors
Drive Graduates to Be Indebtedness," International Journal of Social Science and Humanity vol. 5, no. 4, pp. 343-346, 2015.