CREDIT CARD DELINQUENCY IN MALAYSIA
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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