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首页> 外文期刊>Journal of Global Entrepreneurship Research >Effectiveness of microcredit program and determinants of income among small business entrepreneurs in Malaysia
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Effectiveness of microcredit program and determinants of income among small business entrepreneurs in Malaysia

机译：在马来西亚的小企业企业家中，小额信贷计划和收入决定因素的有效性

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Abstract Together with Singapore, Malaysia is one of the successful cases in Asia achieving rapid economic growth. However the issues of poverty still being discussed today. Amanah Ikthiar Malaysia (AIM) is one of the dominant players contributing to the poverty eradication program in Malaysia engaging in microcredit program with supports from Malaysian government. Since microcredit has been effective as a poverty eradication agent among the poor, it is important to investigate the dimension of effectiveness of poverty eradication program carried out by AIM. The objective of this study is to investigate the dimension of effectiveness in microcredit program and to examine the determinants of total income after joining AIM program. Purposive sampling were applied to take a sample of 100 recipients of AIM microcredit program loan in Kuala Selangor, Hulu Langat, and Gombak in Selangor. Descriptive analysis, factor analysis, and multiple linear regression were used as a methodology to achieve the objective of the study. Factor analysis found four dimension of effectiveness in the microcredit program such as earning ability, payment scheme, member’s cooperation, and well-being. Similarly regression analysis identified 3 variables that are significantly influence the total income after joining the program. These variables are; duration of loans received, amount of loans and number of employee. There are certain issues that need to be addressed to improve the AIM program especially those related to payment scheme and also finding timing for the recipients to graduate from the program as successful entrepreneurs.
机译：摘要与新加坡一起，马来西亚是亚洲实现快速经济增长的成功案例之一。但是，今天仍然在讨论贫困问题。 Amanah Ikthiar Malaysia（AIM）是马来西亚消除贫困计划的主要参与者之一，在马来西亚政府的支持下参与了小额信贷计划。由于小额信贷作为贫困人口中消除贫困的有效手段，因此，调查AIM实施的消除贫困方案的有效性至关重要。这项研究的目的是调查小额信贷计划有效性的维度，并研究加入AIM计划后总收入的决定因素。进行有针对性的抽样，以抽取在瓜拉雪兰莪，葫芦兰加特和雪兰莪的Gombak的100个AIM小额信贷计划贷款接受者的样本。描述性分析，因子分析和多元线性回归被用作实现研究目标的方法。因子分析发现，小额信贷计划的有效性有四个维度，例如收入能力，支付计划，成员的合作和幸福感。同样，回归分析确定了3个对加入该计划后的总收入有重大影响的变量。这些变量是：收到贷款的期限，贷款金额和雇员人数。有一些问题需要解决，以改善AIM计划，尤其是那些与支付计划有关的问题，还需要为接受者作为成功的企业家从该计划中毕业寻找时间。

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