Examining the Effect of Microcredit on Poverty in Malaysia

Al-Mamun, Abdullah; Malarvizhi, C. A.; Hossain, Sayed; Tan, Siow‐Hooi

doi:10.1355/ae29-1b

Cited by 23 publications

(15 citation statements)

References 7 publications

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“…Using the progress indicator, which is reliable and effective for women empowerment, to estimate policy intervention empowerment is very challenging [40]. There are two methods for this, process-based and outcome-based methods, which are frequently employed to assess the impact of women empowerment [41].…”

Section: Methodsmentioning

confidence: 99%

Sustainable Empowerment Initiatives among Rural Women through Microcredit Borrowings in Bangladesh

Akhter

Kun

2020

Sustainability

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Microcredit is an effective instrument that has been recognized to alleviate poverty, especially in developing countries such as Bangladesh. This study seeks to use microcredit as an instrument to bridge the gap between the accessibility of microcredit among poor rural women and sustainable socio-economic development, providing novelty to the concept of “sustainability of empowerment”. In addition, this study employed poor rural women to estimate the empowerment performance of microcredit borrowers compared to non-borrowers in the same socio-economic environment as it relates to microcredit in rural Bangladesh. A regression analysis was used to accomplish these objectives. This study also used propensity score matching techniques to find an easy way to access microcredit. The empirical results not only involve participation in microcredit accessibility but also the particular qualitative attributes of women empowerment. The results also suggest that sustainability is accompanied by affluence among microcredit borrowers, as indicated by women empowerment. The outcome of the empirical analysis shows that there is a significant impact of microcredit on increasing participation in the overall decision-making process, in legal awareness, independent movements, and mobility, as well as enhancing living standards to encourage sustainable women empowerment. This study recommends future investigations for microcredit providers to explore how to build an integrated, holistic approach to women empowerment in Bangladesh.

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Section: Methodsmentioning

confidence: 99%

Sustainable Empowerment Initiatives among Rural Women through Microcredit Borrowings in Bangladesh

Akhter

Kun

2020

Sustainability

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“…Researchers have pointed out that majority of the Malaysians are not aware of the concept of social entrepreneurship and how it can benefit them, thus there is a need to understand this phenomenon in Malaysian context (Al-Mamun et al, 2012;Sarif et al, 2013;Terjesen et al, 2011). However, some educational institutions in Malaysia are involved in the promotion of social enterprises at different levels.…”

Section: Introductionmentioning

confidence: 99%

The effect of perceived barriers on social entrepreneurship intention in Malaysian universities: The moderating role of education

Shahverdi¹,

Ismail²,

Qureshi³

2018

10.5267/j.msl

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“…Additionally, in Malaysia, Al-Mamun, Adaikalam, and Mazumder [9] reported that micro-credit programs had enabled micro-entrepreneurs to better manage the existing assets, to take risks, and reduce liabilities. Further, the study conducted by Al-Mamun, Malarvizhi, Hussain, and Tan [25] that examined the effect of AIM micro-credit programs, revealed significant increases in micro-enterprise income during post-participation of both micro-credit and training programs offered. However, the impact of development programs relies on a household's abilities to take risk, and invest the loan and re-invest the profit in their micro-enterprises.…”

Section: Economic Vulnerability and Micro-enterprise Incomementioning

confidence: 99%

“…Several variables such as age, gender [22][23][24][25][26][27][28]31], marital status [32] and education [31] are discovered to impact household income, micro-enterprise income, micro-enterprise asset net worth, and economic vulnerability. To elaborate, in terms of age, older participants are more skilled and experienced, hence, able to secure higher income and assets compared to younger participants.…”

Section: Control Variablesmentioning

confidence: 99%

The Effect of Economic Vulnerability on the Participation in Development Programs and the Socio-Economic Well-Being of Low-Income Households

2018

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This study intends to examine the effect of economic vulnerability on participation in development initiatives, household income, micro-enterprise income and net worth of micro-enterprise asset among low-income households in the state of Kelantan, Malaysia. Adopting a cross-sectional design, this study collected data from randomly selected 450 micro-entrepreneurs who were being served by three major development organizations in Kelantan, Malaysia. The findings revealed that the level of economic vulnerability among the respondents had a significantly negative effect on the participation of development initiatives, household income, micro-enterprise income and the net worth of microenterprise asset among the low-income Kelantanese households. This study provided insights for a comprehensive policy formulation for rural development as it identified program participation issues and gaps faced by the targeted cohort, which if effectively addressed can lead to an increase in participation in development programs, together with household and micro-enterprise income and assets, among the low-income economically vulnerable households in Kelantan, Malaysia.

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Examining the Effect of Microcredit on Poverty in Malaysia

Cited by 23 publications

References 7 publications

Sustainable Empowerment Initiatives among Rural Women through Microcredit Borrowings in Bangladesh

Sustainable Empowerment Initiatives among Rural Women through Microcredit Borrowings in Bangladesh

The effect of perceived barriers on social entrepreneurship intention in Malaysian universities: The moderating role of education

The Effect of Economic Vulnerability on the Participation in Development Programs and the Socio-Economic Well-Being of Low-Income Households

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