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Microcredit position in micro and small enterprise performance: the Malaysian case

机译：小额信贷在微型和小型企业绩效中的地位：马来西亚案例

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Purpose - This paper aims to evaluate the microcredit position in the performance of micro and small enterprises (MSEs). In the case of Malaysian MSEs, the paper also aims to examine other relevant factors, especially entrepreneur-specific factors, which may be equally important for improving firm performance. Design/methodology/approach - Primary data were collected from 756 MSE samples in Kelantan, the state where a large majority of the microcredit recipients under AM and TEKUN run their business. Descriptive and multiple regression analyses were used to analyze the data. Findings - Microcredit is positively and significantly related to the performance of MSEs across all the microcredit programs under investigation. Other entrepreneur-specific factors, especially entrepreneurial values and management practices are equally significant for enhancing firm performance. Practical implications - This study reminds policy makers, support institutions and small entrepreneurs that the microcredit program alone is not enough for improving the performance of MSEs. Besides microcredit, entrepreneur-specific factors are equally important for firm performance. Thus, readjustment to the existing microcredit programs, especially on entrepreneurial and managerial developments, should be made so that entrepreneurial values and management competencies of the entrepreneurs could be enhanced from time to time for superior performance of MSEs. Originality/value - This paper proves that microcredit is important for firm performance. It also reminds theorists and practitioners that entrepreneur-specific factors should not be neglected in their theoretical or practical consideration of micro and small firm performance.
机译：目的-本文旨在评估小额信贷在微型和小型企业（MSE）绩效中的地位。对于马来西亚的中小企业，本文还旨在研究其他相关因素，尤其是企业家特有的因素，这些因素对于改善公司绩效可能同样重要。设计/方法/方法-主要数据是从吉兰丹州的756个MSE样本中收集的，吉兰丹州是AM和TEKUN下绝大多数小额信贷接收者开展业务的地方。描述性和多元回归分析用于分析数据。调查结果-小额信贷与所有接受调查的小额信贷计划中的小企业经营者的表现均具有积极且显着的关系。其他特定于企业家的因素，尤其是企业家价值观和管理实践对于提高公司绩效同样重要。实际意义-这项研究提醒政策制定者，支持机构和小型企业家，仅微额信贷计划不足以改善中小企业的绩效。除小额信贷外，企业家特有的因素对于公司绩效同样重要。因此，应该对现有的小额信贷计划进行调整，尤其是在企业家和管理人员发展方面，以便不时提高企业家的企业家价值观和管理能力，以实现中小企业的卓越绩效。原创性/价值-本文证明小额信贷对公司绩效至关重要。它也提醒理论家和实践者，企业家的特定因素在他们对微型和小型公司绩效的理论或实践考虑中不应被忽略。

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