{"_buckets": {"deposit": "b22f390f-5e3a-4b6f-8596-e8a4f8c04471"}, "_deposit": {"created_by": 20, "id": "13021", "owner": "20", "owners": [20], "owners_ext": {"displayname": "", "username": ""}, "pid": {"revision_id": 0, "type": "depid", "value": "13021"}, "status": "published"}, "_oai": {"id": "oai:meral.edu.mm:recid/00013021", "sets": ["1582963436320"]}, "author_link": [], "item_1583103067471": {"attribute_name": "Title", "attribute_value_mlt": [{"subitem_1551255647225": "Factors Influencing  Loan Repayment  Performance  of  AYA  Bank  Auto Loan Customers( Hnin Yee Ko,  2026)", "subitem_1551255648112": "en"}]}, "item_1583103085720": {"attribute_name": "Description", "attribute_value_mlt": [{"interim": "This study analyzes the factors influencing auto loan repayment \nperformance among customers of AYA Bank in Myanmar and examines the \nmoderating effect of financial literacy on these relationships. In accordance \nwith the credit risk management practices of AYA Bank and the prudential \nregulations issued by the Central Bank of Myanmar, the study focuses on \nselected loan-related, institutional, and borrower related variables affecting \nrepayment behavior. Primary data were collected from 100 active auto loan \ncustomers of AYA Bank using simple random sampling. The data were analyzed \nby applying descriptive statistics, correlation analysis, and multiple regression \nmodels. The empirical results indicate that communication efficiency is the \nmost significant determinant of auto loan repayment performance, followed \nby interest rate, loan size, and bank monitoring. Loan tenure shows a \nstatistically significant negative effect on repayment performance, indicating \nthat longer repayment periods may weaken borrowers’ repayment discipline \nand increase credit risk. However, income stability and customer service \nquality do not exhibit significant direct effects in the model. Financial literacy \nis found to have a strong positive effect on auto loan repayment performance \nand to serve as a partial moderating variable in the relationships between \ncertain influencing factors and repayment behavior. Specifically, financial \nliteracy strengthens the effects of interest rate and customer service quality \non repayment performance, while weakening the influence of loan tenure and \nbank monitoring. These findings indicate that financially literate borrowers \nare better equipped to manage repayment obligations and respond more \neffectively to loan pricing and service-related factors, while being less \ndependent on external monitoring mechanisms. Overall, the study highlights \nthe importance of effective communication, appropriate loan structuring, \nconsistent monitoring practices, and financial literacy enhancement in \nimproving auto loan repayment performance in Myanmar. The findings \nprovide practical implications for AYA Bank in strengthening credit risk \nmanagement practices, reducing non-performing loans, and supporting \nsustainable development in the retail banking sector."}]}, "item_1583103120197": {"attribute_name": "Files", "attribute_type": "file", "attribute_value_mlt": [{"accessrole": "open_access", "date": [{"dateType": "Available", "dateValue": "2026-09-21"}], "displaytype": "preview", "download_preview_message": "", "file_order": 0, "filename": "HNIN YEE KO.pdf", "filesize": [{"value": "64 KB"}], "format": "application/pdf", "future_date_message": "", "is_thumbnail": false, "licensetype": "license_0", "mimetype": "application/pdf", "size": 64000.0, "url": {"url": "https://meral.edu.mm/record/13021/files/HNIN YEE KO.pdf"}, "version_id": "9594936c-cdd3-4536-8496-f2ef56281425"}]}, "item_1583103233624": {"attribute_name": "Thesis/dissertations", "attribute_value_mlt": [{"subitem_awarding_university": "Yangon University of Economics", "subitem_supervisor(s)": [{"subitem_supervisor": "Dr. Thynn Thynn Myint"}]}]}, "item_1583105942107": {"attribute_name": "Authors", "attribute_value_mlt": [{"subitem_authors": [{"subitem_authors_fullname": "Hnin Yee Ko"}]}]}, "item_1583108359239": {"attribute_name": "Upload type", "attribute_value_mlt": [{"interim": "Other"}]}, "item_1583108428133": {"attribute_name": "Publication type", "attribute_value_mlt": [{"interim": "Thesis"}]}, "item_1583159729339": {"attribute_name": "Publication date", "attribute_value": "2026-01-01"}, "item_title": "Factors Influencing  Loan Repayment  Performance  of  AYA  Bank  Auto Loan Customers( Hnin Yee Ko,  2026)", "item_type_id": "21", "owner": "20", "path": ["1582963436320", "1582965701379"], "permalink_uri": "https://meral.edu.mm/records/13021", "pubdate": {"attribute_name": "Deposit date", "attribute_value": "2026-09-21"}, "publish_date": "2026-09-21", "publish_status": "0", "recid": "13021", "relation": {}, "relation_version_is_last": true, "title": ["Factors Influencing  Loan Repayment  Performance  of  AYA  Bank  Auto Loan Customers( Hnin Yee Ko,  2026)"], "weko_shared_id": -1}