Assessing the impact of Amanah Ikhtiar Malaysia's microcredit programme on participants' quality of life

Since the inception of the microcredit programmes, various studies have been carried out to assess their impacts. Earlier studies seemed to focus on the impact of microcredit on the participants' incomes, and consequently on poverty. However, recent impact studies of microcredit programmes have...

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Main Author:	Zuraidah, Mohamed Isa
Format:	Thesis
Language:	eng eng
Published:	2017
Subjects:	HG Finance
Online Access:	https://etd.uum.edu.my/7958/1/Depositpermission_s94392.pdf https://etd.uum.edu.my/7958/2/s94392_01.pdf
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id	my-uum-etd.7958
record_format	uketd_dc
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng
advisor	Abdul Hakim, Roslan Ismail, Rusayyani
topic	HG Finance
spellingShingle	HG Finance Zuraidah, Mohamed Isa Assessing the impact of Amanah Ikhtiar Malaysia's microcredit programme on participants' quality of life
description	Since the inception of the microcredit programmes, various studies have been carried out to assess their impacts. Earlier studies seemed to focus on the impact of microcredit on the participants' incomes, and consequently on poverty. However, recent impact studies of microcredit programmes have looked into the participants' well-being instead of their incomes to measure their quality of life. Thus, this study attempted to investigate the impact of Amanah Ikhtiar Malaysia 's microcredit programme on the participants' quality of life using a more comprehensive measure. Different from earlier research, this study took on a different perspective by examining the aspects of personal attitude, subjective norm, perceived behavioural control, entrepreneurial intention and entrepreneurial behaviour in assessing the impact Amanah Ikhtiar Malaysia's microcredit programme has on the participants' quality of life. In this study, the hypotheses were tested using a cross-sectional data of 638 participants of Amanah lkhtiar Malaysia (AIM). The findings of the study show that all the hypotheses are significant and supported, where there is a positive and significant influence between participants' personal attitude and entrepreneurial intention, participants' subjective norm and entrepreneurial intention, participants' perceived behavioural control and entrepreneurial intention, participants' perceived behavioural control and entrepreneurial behaviour, participants' entrepreneurial intention and entrepreneurial behaviour, and participants' entrepreneurial behaviour and participants' quality of life. In addition, there is a significant relationship in the mediating effect of entrepreneurial intention on participants' personal attitude and entrepreneurial behaviour, participants ' subjective norm and entrepreneurial behaviour, and participants ' perceived behavioural control and entrepreneurial behaviour. Similarly, there is a significant relationship between the mediating effect of entrepreneurial behaviour and participants entrepreneurial intention and quality of life. This study contributes to the policy implications of Amanah Ikhtiar Malaysia's microcredit programme especially in improvement in training and guidance. Finally, the study also discusses the limitations of the study and the recommendations for future research.
format	Thesis
qualification_name	Ph.D.
qualification_level	Doctorate
author	Zuraidah, Mohamed Isa
author_facet	Zuraidah, Mohamed Isa
author_sort	Zuraidah, Mohamed Isa
title	Assessing the impact of Amanah Ikhtiar Malaysia's microcredit programme on participants' quality of life
title_short	Assessing the impact of Amanah Ikhtiar Malaysia's microcredit programme on participants' quality of life
title_full	Assessing the impact of Amanah Ikhtiar Malaysia's microcredit programme on participants' quality of life
title_fullStr	Assessing the impact of Amanah Ikhtiar Malaysia's microcredit programme on participants' quality of life
title_full_unstemmed	Assessing the impact of Amanah Ikhtiar Malaysia's microcredit programme on participants' quality of life
title_sort	assessing the impact of amanah ikhtiar malaysia's microcredit programme on participants' quality of life
granting_institution	Universiti Utara Malaysia
granting_department	Othman Yeop Abdullah Graduate School of Business
publishDate	2017
url	https://etd.uum.edu.my/7958/1/Depositpermission_s94392.pdf https://etd.uum.edu.my/7958/2/s94392_01.pdf
_version_	1747828296503001088
spelling	my-uum-etd.79582021-08-19T01:17:00Z Assessing the impact of Amanah Ikhtiar Malaysia's microcredit programme on participants' quality of life 2017 Zuraidah, Mohamed Isa Abdul Hakim, Roslan Ismail, Rusayyani Othman Yeop Abdullah Graduate School of Business Othman Yeop Abdullah Graduate School of Business HG Finance Since the inception of the microcredit programmes, various studies have been carried out to assess their impacts. Earlier studies seemed to focus on the impact of microcredit on the participants' incomes, and consequently on poverty. However, recent impact studies of microcredit programmes have looked into the participants' well-being instead of their incomes to measure their quality of life. Thus, this study attempted to investigate the impact of Amanah Ikhtiar Malaysia 's microcredit programme on the participants' quality of life using a more comprehensive measure. Different from earlier research, this study took on a different perspective by examining the aspects of personal attitude, subjective norm, perceived behavioural control, entrepreneurial intention and entrepreneurial behaviour in assessing the impact Amanah Ikhtiar Malaysia's microcredit programme has on the participants' quality of life. In this study, the hypotheses were tested using a cross-sectional data of 638 participants of Amanah lkhtiar Malaysia (AIM). The findings of the study show that all the hypotheses are significant and supported, where there is a positive and significant influence between participants' personal attitude and entrepreneurial intention, participants' subjective norm and entrepreneurial intention, participants' perceived behavioural control and entrepreneurial intention, participants' perceived behavioural control and entrepreneurial behaviour, participants' entrepreneurial intention and entrepreneurial behaviour, and participants' entrepreneurial behaviour and participants' quality of life. In addition, there is a significant relationship in the mediating effect of entrepreneurial intention on participants' personal attitude and entrepreneurial behaviour, participants ' subjective norm and entrepreneurial behaviour, and participants ' perceived behavioural control and entrepreneurial behaviour. Similarly, there is a significant relationship between the mediating effect of entrepreneurial behaviour and participants entrepreneurial intention and quality of life. This study contributes to the policy implications of Amanah Ikhtiar Malaysia's microcredit programme especially in improvement in training and guidance. Finally, the study also discusses the limitations of the study and the recommendations for future research. 2017 Thesis https://etd.uum.edu.my/7958/ https://etd.uum.edu.my/7958/1/Depositpermission_s94392.pdf text eng public https://etd.uum.edu.my/7958/2/s94392_01.pdf text eng public https://sierra.uum.edu.my/record=b1699009~S1 Ph.D. doctoral Universiti Utara Malaysia Afrane, S. (2002). Microfinance interventions in Ghana and South Africa: A synthesis of major impacts and lessons. Journal of Microjinance, 4(1). Afrin, S., Islam, N., & Ahmed, S. U. (2008). A multivariate model of micro credit and rural women entrepreneurship development in Bangladesh. 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