Empirical Investigation on Repayment Performance of Amanah Ikhtiar Malaysia’s Hardcore Poor Clients

Mamun, Abdullah Al; Wahab, Sazali Abdul; Malarvizhi, C. A.

doi:10.5539/ijbm.v6n7p125

Cited by 8 publications

(8 citation statements)

References 6 publications

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“…Similarly, studies carried out in Malaysia indicate that microfinance has made a positive impact on poverty alleviation and performance of microenterprises. (AL-Mamun, Wahab, & Malarvizhi, 2011), for example, demonstrated that microfinancing facilities from Amanah Ikhtiar Malaysia (AIM) have had a positive effect on assets of micro-enterprises owned by the hardcore poor.…”

Section: Impact Of Conventional and Islamic Microfinance On Poverty Amentioning

confidence: 99%

“…Saad & Duasa 92011) also demonstrated that the amount of microloans, which are accessed from AIM, has impacted significantly the economic performance of borrowers. AL-Mamun et al, (2011) illustrated that the current market value of livestock's agricultural or production equipments, agriculture stock, and raw materials, enterprise assets and motor vehicles owned by older clients are higher than new clients.…”

Section: Impact Of Conventional and Islamic Microfinance On Poverty Amentioning

confidence: 99%

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Proposing an Integrated Islamic Microfinance Model in Alleviating Poverty and Improving the Performance of Microenterprises in Indonesia

Hawariyuni¹,

Kassim²

2019

JAROE

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Objective – This study proposes an integrated Islamic microfinance model in alleviating poverty and improving the performance of microenterprises based on a case study of Indonesia, by focusing specifically on BRI Microbanking. Design/methodology – This study adopts the exploratory study to construct the integrated Islamic microfinance with the purpose to alleviate poverty and enhance the business performance of enterprises. Results – As Islamic microfinance is known widely due to the high demand from Muslim countries. Since, it plays a crucial role effectively in alleviating poverty and developing the business performance on enterprises, particularly on microenterprises. Presently, many scholars attempted to build a successful Islamic microfinance model by using Islamic financing instruments such as mudarabah, musyarakah, and murabahah. This study attempts to build an integrated Islamic microfinance model by using BRI Syariah Micro as a case study. It is expected that this integrated Islamic microfinance model can enrich existing models in terms of social and economic aspects. Originality/Value – This research concentrates on proposing an integrated Islamic microfinance model based on the case study of BRI Syariah Microbanking. There seems to be a gap in the literature on the actual implementation of integrated Islamic microfinance in the world. The study highlights major factors to be emphasized to ensure the effectiveness of proposing an integrated Islamic microfinance model for BRI Syariah micro banking to alleviate poverty and to improve the performance of microenterprises.

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Section: Impact Of Conventional and Islamic Microfinance On Poverty Amentioning

confidence: 99%

Section: Impact Of Conventional and Islamic Microfinance On Poverty Amentioning

confidence: 99%

Proposing an Integrated Islamic Microfinance Model in Alleviating Poverty and Improving the Performance of Microenterprises in Indonesia

Hawariyuni¹,

Kassim²

2019

JAROE

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“…HEPM is a complex model and has some limitations. Many researchers who quoted this model have labelled it as a difficult appraisal model that offers a fuller image for the impact of microfinance (Al Mamun, Abdul Wahab, & Malarvizhi, 2011;Al Mamun, Abdul Wahab, & Malarvizhi, 2010;Gobezie & Garber, 2007;Hulme, 1997Hulme, , 2000Jacobsen, Marshak, Ofori-Adjei, & Kembabazi, 2006). Hulme (1997) pointed out major application restrictions of this model like complexity in experiment, higher cost requirement, sophisticated analytical skills and time consuming.…”

Section: Modified Household Economic Portfolio Model (M -Hepm)mentioning

confidence: 99%

Impact of Microfinance on Poverty: Qualitative Analysis for Grameen Bank Borrowers

Aslam¹,

Kumar²,

Sorooshian³

2019

IJFR

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Poverty is economic, social, political and even moral issue all over the world. Microfinance has been designed to eliminate poverty and may help marginal people to materialize their dreams. Microfinance has been formalized primarily in Bangladesh with this concept. Grameen Bank (GB) has been serving large number of people below poverty level here. Initially, microfinance institutions have been supported by the Government or Donor assuming its positive impact on borrowers. However, ambiguous impacts have been reported in several studies that make microfinance questionable. Therefore, this study intent to measure the impact of microfinance on GB borrowers through the process of qualitative changes in borrowers lives. The process has been measured by some case studies for participant and non-participant borrowers using Modified Household Economic Portfolio Model (M -HEPM). Our qualitative analysis shows that microfinance makes positive changes in the process of borrowers lives observed through financial and activity diaries of the borrowers.

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“…Different researchers who cited the HEP have described it as a complex evaluation model that provides a fuller picture of microfinance impacts (Al-Mamun et al , 2010, 2011; Gobezie, 2007; Hulme, 1997, 2000a; Jacobsen et al , 2006). The main practical limitations of the model can be summarized in the following points: complexity, high costs of application, requires sophisticated analytical skills and time consuming (Hulme, 1997).…”

Section: Interest In Modifying the Household Economic Portfolio For Assessing Impact In Microfinancementioning

confidence: 99%

“…The model is mentioned in different studies where some refer to it as the HEP model, whereas others use the abbreviation HEPM or the model of Chen and Dunn (1996). Since its creation, the HEP has been cited in many studies (Al-Mamun et al , 2010, 2011; Gobezie, 2007; Haile et al , 2015; Hulme, 1997, 2000a; Jacobsen et al , 2006). Although the model provides a comprehensive evaluation framework, it suffers from some limitations that make the implementation of it quite complex.…”

Section: Introductionmentioning

confidence: 99%

A modified household economic portfolio model for assessing impact of microfinance using diaries

Alia¹,

Ashta²,

Ratsimalahelo

2017

QMR

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Purpose Microfinance impact evaluation studies help in discovering client needs which are diverse, special and different from the needs of the conventional bankable clients. Thus, such area of market research is becoming essential for microfinance institutions for designing better client-centred products. In this research, the authors discuss the specific model of household economic portfolio (HEP) for qualitative impact evaluation in microfinance. The paper aims to discuss the complexity limitations of the HEP. Solutions are provided for overcoming these limitations. The modified household economic portfolio (M-HEP) model is simplified and detailed, and two types of diaries are suggested for implementing it. Design/methodology/approach First, the authors briefly review the literature on impact assessment methods in microfinance and on the HEP model. In the second part of the paper, the M-HEP is suggested and discussed in detail. In the third part, the authors present a case study to illustrate the additional information that can be generated by using our suggested research tool and model. Finally, the authors wrap up with a summary of the findings. Findings Solutions are provided for overcoming the limitations of the HEP model. The suggested model (M-HEP) is simplified and detailed, and two types of diaries are suggested for implementing it. The case study shows that, certainly, time and money are related. While time may mean money for a rich person, for a poor person, if money is not forthcoming, she may spend time on non-income generating work that adds to her social esteem. She may also consume inexpensive assets because spending time at low cost is important. Finally, she spends time in conducting activities for which she cannot afford to pay. Originality/value The paper offers two novelties. First, it details the interactions between the elements of the HEP model of Chen and Dunn. This improvement to the original model is highly important for defining the measures that are required for redrawing the economic portfolio of an individual. The second novelty is in suggesting the collection of time-use and financial daily data. To the best of our knowledge, this is the first time a combined diary is used in microfinance research. These two novelties allow the application of a modified version of the highly interesting HEP model in spite of its complexity.

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Empirical Investigation on Repayment Performance of Amanah Ikhtiar Malaysia’s Hardcore Poor Clients

Cited by 8 publications

References 6 publications

Proposing an Integrated Islamic Microfinance Model in Alleviating Poverty and Improving the Performance of Microenterprises in Indonesia

Proposing an Integrated Islamic Microfinance Model in Alleviating Poverty and Improving the Performance of Microenterprises in Indonesia

Impact of Microfinance on Poverty: Qualitative Analysis for Grameen Bank Borrowers

A modified household economic portfolio model for assessing impact of microfinance using diaries

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