A Descriptive Analysis on the Factors of Alleviating Poverty among Women Entrepreneurs

Hussin, Nik Syuhailah Nik; Munir, Nik Madeeha Nik Mohd; Aziz, Zuraimi Abdul; Muhamad, Siti Fariha; Yaacob, Mohd Rafi

doi:10.18178/ijtef.2015.6.6.485

Cited by 2 publications

(2 citation statements)

References 30 publications

(19 reference statements)

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“…Their study categorized the amount of loan borrowed, age, gender, educational level, assets owned before joining the microcredit programme, person in charge who handled the programme and area of residence as the important factors contributing to the level of income by the microcredit recipients. Hussin et al (2015) evaluated five factors that contribute the sustainability of micro-enterprise which are personality factor, cultural factor, environment factor, microfinance factor and entrepreneurial factor. The result of the study argued that selfconfidence, presence of role model, marketing opportunity, saving method, and communication skills are critical factors that increase the economic performance of the micro-enterprise.…”

Section: Factors Contributing To the Sustainability Of Micro-enterprisementioning

confidence: 99%

Efficacy of the Amanah Ikhtiar Malaysia Microcredit Scheme in Elevating the Income of the B40 Group

Muda¹,

Lonik²,

Mohamad³

2022

IJARBSS

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This study aims to investigate income group changes within the B40 and factors contributing to a higher income group, after utilizing microcredit from Amanah Ikhtiar Malaysia (AIM). The study was conducted in the North of Peninsular Malaysia involving the states of Perlis, Kedah and Pulau Pinang. The data was collected from 380 women micro-entrepreneurs who received AIM microcredit. The Wilcoxon signed-rank test was used to analyse the significant differences in the income changes. Meanwhile, ordinal logistic regression was applied to estimate the factors that contribute to the higher income group among the AIM women micro-entrepreneurs. The findings indicate that AIM women micro-entrepreneurs within the B40 subgroups had significantly increased their income, hence, moving them up to the higher income group. The results also indicate that education, amount of loan borrowed, business experience and business management are significant factors that influence the women microentrepreneurs likelihood to be in the higher income group. This study made a profound contribution as it demonstrated clearly the success of microcredit in elevating the income of the B40 group across different income group levels prior to receiving the loan. Therefore, this study suggests that outreach of microcredit programmes should be further extended to the B40 group.

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Section: Factors Contributing To the Sustainability Of Micro-enterprisementioning

confidence: 99%

Efficacy of the Amanah Ikhtiar Malaysia Microcredit Scheme in Elevating the Income of the B40 Group

Muda¹,

Lonik²,

Mohamad³

2022

IJARBSS

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“…Saad (2010) indicated that the microcredit and training activities provided by microfinance has lessen poverty and enhanced health status of beneficiaries. Hussin, Munir, Aziz, Muhamad, and Yaacob (2015) stated that the incorporation of entrepreneurial trainings and microcredit services assist micro‐ and small enterprises. Samer, Majid, Rizal, Muhamad, and Rashid (2015) showed that microcredit and training have positive impacts on their income and welfare status.…”

Section: Literature Reviewmentioning

confidence: 99%

Microfinance services and socio‐economic welfare of urban households in Sabah, Malaysia

Solarin

Loke

Suganthi

et al. 2020

Journal of Public Affairs

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This study examines the impact of microfinance services on the socio‐economic welfare of urban households in Sabah, which is considered as the poorest state in Malaysia. The data were collected from recipients of microfinance services through self‐administered questionnaire and were analyzed using Smart Partial Least Squares (PLS). The results of this study show that microcredit, microinsurance, savings, training, and social intermediation service have significant effects on socio‐economic welfare of urban households in Sabah. The empirical findings can be used as a guideline for microfinance institutions to provide the best services that will reduce vulnerability of the households in Sabah. It can also assist the government to provide the best microfinance blueprints in the region.

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A Descriptive Analysis on the Factors of Alleviating Poverty among Women Entrepreneurs

Cited by 2 publications

References 30 publications

Efficacy of the Amanah Ikhtiar Malaysia Microcredit Scheme in Elevating the Income of the B40 Group

Efficacy of the Amanah Ikhtiar Malaysia Microcredit Scheme in Elevating the Income of the B40 Group

Microfinance services and socio‐economic welfare of urban households in Sabah, Malaysia

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