An economic impact assessment of a microcredit program in Malaysia: the case of Amanah Ikhtiar Malaysia (AIM)

An economic impact assessment of a microcredit program in Malaysia: the case of Amanah Ikhtiar Malaysia (AIM)

This study uses econometric models to evaluate the economic performance of clients participating in the microcredit program of Amanah Ikhtiar Malaysia (AIM). Several proxies are used for the economic performance variable (dependent variables), such as level of earnings/income, ratio of spending to i...

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Main Authors: Md Saad, Norma, Duasa, Jarita
Format: Article
Language:English
Published: Universiti Malaysia Sarawak 2011
Subjects:
HG3691 Credit
Online Access:http://irep.iium.edu.my/9047/
http://irep.iium.edu.my/9047/
http://irep.iium.edu.my/9047/1/AIM_study_IJBS%28revised_22Sep10%292.pdf
id iium-9047
recordtype eprints
spelling iium-90472012-01-19T04:49:33Z http://irep.iium.edu.my/9047/ An economic impact assessment of a microcredit program in Malaysia: the case of Amanah Ikhtiar Malaysia (AIM) Md Saad, Norma Duasa, Jarita HG3691 Credit This study uses econometric models to evaluate the economic performance of clients participating in the microcredit program of Amanah Ikhtiar Malaysia (AIM). Several proxies are used for the economic performance variable (dependent variables), such as level of earnings/income, ratio of spending to income and value of assets. The regressors (independent variables) used are education level, age, amount of loan, source of income, and ownership of assets. The study found that the economic performance of AIM participants is significantly determined by the amount of money borrowed from AIM. Other factors found to influence the respondents’ economic performance are education level, age, gender, assets owned before joining AIM, and area of residence. Because level of education is found to contribute significantly to the economic performance of AIM participants, it is suggested that AIM should work to educate its borrowers. In particular, it should provide business training. Universiti Malaysia Sarawak 2011-01 Article PeerReviewed application/pdf en http://irep.iium.edu.my/9047/1/AIM_study_IJBS%28revised_22Sep10%292.pdf Md Saad, Norma and Duasa, Jarita (2011) An economic impact assessment of a microcredit program in Malaysia: the case of Amanah Ikhtiar Malaysia (AIM). International Journal of Business and Society, 12 (1). pp. 1-14. ISSN 1511-6670 http://web.ebscohost.com/ehost/pdfviewer/pdfviewer?sid=f66cee65-7ee2-4ebd-a07f-3dd323f6618b%40sessionmgr114&vid=4&hid=112
repository_type Digital Repository
institution_category Local University
institution International Islamic University Malaysia
building IIUM Repository
collection Online Access
language English
topic HG3691 Credit
spellingShingle HG3691 Credit
Md Saad, Norma
Duasa, Jarita
An economic impact assessment of a microcredit program in Malaysia: the case of Amanah Ikhtiar Malaysia (AIM)
description This study uses econometric models to evaluate the economic performance of clients participating in the microcredit program of Amanah Ikhtiar Malaysia (AIM). Several proxies are used for the economic performance variable (dependent variables), such as level of earnings/income, ratio of spending to income and value of assets. The regressors (independent variables) used are education level, age, amount of loan, source of income, and ownership of assets. The study found that the economic performance of AIM participants is significantly determined by the amount of money borrowed from AIM. Other factors found to influence the respondents’ economic performance are education level, age, gender, assets owned before joining AIM, and area of residence. Because level of education is found to contribute significantly to the economic performance of AIM participants, it is suggested that AIM should work to educate its borrowers. In particular, it should provide business training.
format Article
author Md Saad, Norma
Duasa, Jarita
author_facet Md Saad, Norma
Duasa, Jarita
author_sort Md Saad, Norma
title An economic impact assessment of a microcredit program in Malaysia: the case of Amanah Ikhtiar Malaysia (AIM)
title_short An economic impact assessment of a microcredit program in Malaysia: the case of Amanah Ikhtiar Malaysia (AIM)
title_full An economic impact assessment of a microcredit program in Malaysia: the case of Amanah Ikhtiar Malaysia (AIM)
title_fullStr An economic impact assessment of a microcredit program in Malaysia: the case of Amanah Ikhtiar Malaysia (AIM)
title_full_unstemmed An economic impact assessment of a microcredit program in Malaysia: the case of Amanah Ikhtiar Malaysia (AIM)
title_sort economic impact assessment of a microcredit program in malaysia: the case of amanah ikhtiar malaysia (aim)
publisher Universiti Malaysia Sarawak
publishDate 2011
url http://irep.iium.edu.my/9047/
http://irep.iium.edu.my/9047/
http://irep.iium.edu.my/9047/1/AIM_study_IJBS%28revised_22Sep10%292.pdf
first_indexed 2023-09-18T20:18:50Z
last_indexed 2023-09-18T20:18:50Z
_version_ 1777407970017017856

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