• Wai Leng Chia The University of Nottingham Malaysia
  • Roy W.L. Khong University of Nottingham
  • Priscilla Lim The University of Nottingham Malaysia
  • Patricia Mei Mei Ang The University of Nottingham Malaysia
Keywords: Credit card delinquency, Expectation, Non-performing loan, Regulatory interventions, ARDL


The objective of this paper is to investigate the influence of economic conditions and regulatory interventions as potential drivers of credit card delinquency in Malaysia. Using quarterly data from 1999 to 2021 and the autoregressive distributed lag model, we find that national income, wealth, expectations of future economic conditions, and the supply of credit determine credit card delinquency. We also find evidence in favour of regulatory interventions as a solution to curbing the deteriorating credit card debt situation in Malaysia.


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How to Cite
Chia, W., Khong, R., Lim, P., & Ang, P. (2023). CREDIT CARD DELINQUENCY IN MALAYSIA. Buletin Ekonomi Moneter Dan Perbankan, 26, 127-146.