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 perlormance of clients participating in the microcredit program of Amanah Ikhtiar Malaysia (AIM). Several proxies are used for the economiSJ performance variable (dependent variables), such as level of earnings/income, ratio of spending to...

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Main Authors:	Md Saad, Norma, Duasa, Jarita
Format:	Conference or Workshop Item
Language:	English
Published:	2009
Subjects:	HG3691 Credit
Online Access:	http://irep.iium.edu.my/540/ http://irep.iium.edu.my/540/1/An_Economic_Impact_Assessment_Of_Microcredit_Program_In_Malaysia_-_The_Case_Of_Amanah_Ikhtiar_Malaysia_%28AIM%29.pdf

id	iium-540
recordtype	eprints
spelling	iium-5402012-01-30T07:40:39Z http://irep.iium.edu.my/540/ 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 perlormance of clients participating in the microcredit program of Amanah Ikhtiar Malaysia (AIM). Several proxies are used for the economiSJ 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 perlormance of AIM participants is significantly determined by the amount of money borrowed from AIM. Other factors found to influence the respondents' economic perlormance 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. 2009 Conference or Workshop Item PeerReviewed application/pdf en http://irep.iium.edu.my/540/1/An_Economic_Impact_Assessment_Of_Microcredit_Program_In_Malaysia_-_The_Case_Of_Amanah_Ikhtiar_Malaysia_%28AIM%29.pdf Md Saad, Norma and Duasa, Jarita (2009) An economic impact assessment of a microcredit program in Malaysia: the case of Amanah Ikhtiar Malaysia (AIM). In: Annual International Conference on Global Business, 10-13 May 2009, Dubai, United Arab Emirates.
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 perlormance of clients participating in the microcredit program of Amanah Ikhtiar Malaysia (AIM). Several proxies are used for the economiSJ 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 perlormance of AIM participants is significantly determined by the amount of money borrowed from AIM. Other factors found to influence the respondents' economic perlormance 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	Conference or Workshop Item
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)
publishDate	2009
url	http://irep.iium.edu.my/540/ http://irep.iium.edu.my/540/1/An_Economic_Impact_Assessment_Of_Microcredit_Program_In_Malaysia_-_The_Case_Of_Amanah_Ikhtiar_Malaysia_%28AIM%29.pdf
first_indexed	2023-09-18T20:07:39Z
last_indexed	2023-09-18T20:07:39Z
_version_	1777407266225389568

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

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