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...
| Main Authors: | , |
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| Format: | Proceeding Paper |
| Language: | English |
| Published: |
2009
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| Subjects: | |
| Online Access: | 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 |
| _version_ | 1825644068477075456 |
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| author | Md Saad, Norma Duasa, Jarita |
| author_facet | Md Saad, Norma Duasa, Jarita |
| author_sort | Md Saad, Norma |
| collection | IIUM |
| 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. |
| first_indexed | 2024-03-05T22:27:50Z |
| format | Proceeding Paper |
| id | oai:generic.eprints.org:540 |
| institution | International Islamic University Malaysia |
| language | English |
| last_indexed | 2024-03-05T22:27:50Z |
| publishDate | 2009 |
| record_format | dspace |
| spelling | oai:generic.eprints.org: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 Proceeding Paper 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. |
| 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) |
| title | 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_short | 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 |
| topic | HG3691 Credit |
| url | 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 |
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