Wang, WeizhuoGan, ChristopherChang, ZCohen, DALi, Zhaohua2018-11-0120182017-03-091558-7894GR4PJ (isidoc)https://hdl.handle.net/10182/10327Purpose: This paper aims to develop and estimate a logit model of whether homeownership could be promoted by participation in and use of the Housing Provident Fund (HPF) program, with a focus on factors that influence the use of HPF loans. Design/methodology/approach: This paper develops and estimates a logit model of whether homeownership could be promoted by participation in and use of the HPF program, with a focus on factors that influence the use of HPF loans. Findings: The results show that coefficients of marital status, educational level, age, duration of employment and employer are significantly related to the use of HPF loan for homeownership. Research limitations/implications: Because of the chosen research approach, the research results may lack generalizability. Practical implications: The research findings provide a better understanding of homeowners’ characteristics. Originality/value: To manage the HPF program effectively, it is important for government to have a better understanding of the underlying demand for homeownership, especially with respect to the different demographic variables and accessibility to HPF loans and the HPF.pp.318-339en© Emerald Publishing Limitedhomeownershiplogistic regressionHousing Provident Fund (HPF)loan accessibilityJournal Article10.1108/JABS-03-2016-0041ANZSRC::1502 Banking, Finance and Investment1558-7894ANZSRC::3505 Human resources and industrial relationsANZSRC::3507 Strategy, management and organisational behaviour