Examining the Effect of Microcredit on Employment in Peninsular Malaysia
Abdullah Al Mamun, PhD
Universiti Malaysia Kelantan; Binary University College; Multimedia University
Sazali Abdul Wahab
National Defence University of Malaysia
C. A. Malarvizhi
September 1, 2010
Journal of Sustainable Development, Vol. 4, No. 2, pp. 174-183, 2011
This study employs a cross sectional design with stratified random sampling method to examine how participation in Amanah Ikhtiar Malaysia’s (AIM) microcredit program affects employment rate of hardcore poor clients household and community in Peninsular Malaysia. So far no known study has been conducted to measure the effect of AIM’s microcredit program on employment. Findings of this study show that participation in AIM’s microcredit program increases employment generating opportunities at household and community level. The policy may be reviewed and re-organized to increase the employment rate and income generating opportunities by providing appropriate training and diversified and flexible loan offers.
Number of Pages in PDF File: 10
Keywords: microcredit, employment, hardcore poor, Amanah Ikhtiar Malaysia
JEL Classification: I31, L31, M51working papers series
Date posted: October 19, 2011
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