Abdullah Al Mamun; Sazali Abdul Wahab; Zulkarnain Muhamad Sori (EbscoHost, 2013)
This study was undertaken to assess the impact of Amanah Ikhtiar Malaysia's (AIM) microcredit program on microenterprise assets possessed by poor women in urban Peninsular Malaysia. In order to fulfill the above mentioned objective, in an attempt to increase understanding on the subject matter and contribute to the existing knowledge, this study employed a cross-sectional design with a stratified random sampling method. The results of this study reveal that the current market value of enterprise assets and vehicles owned by old respondents was relatively higher than that of new respondents. The findings also show that the mean market value of microenterprise assets owned by old respondents was significantly higher than that of new respondents. This study suggests that AIM should, therefore, focus on providing adequate training, flexible and diversified loan programs, and increase outreach. The government of Malaysia also needs to review policies to provide a favorable environment in order to promote self-sustainable competitive microenterprises.
