The Contribution of Non-conventional Microfinancing on Economic, Social and Household Empowerment of Women Borrowers in Malaysia

• 발행기관: 한국유통과학회
• 저자명: Tasnuba HAQUE Chamhuri SIWAR Rospidah GHAZALI Jamaliah SAID Abul Bashar BHUIYAN
• 간행물 정보: 『The Journal of Asian Finance, Economics and Business(JAFEB)』Vol. 8 No.2, 643~655쪽, 전체 13쪽
• 주제분류: 경제경영 > 경제학
• 파일형태: PDF
• 발행일자: 2021.02.28

영문 초록

This study investigated the effect of theAmanah Ikhtiar Malaysia (AIM) microfinancing on the economic, social, and household empowerment of women borrowers in Malaysia. The study used a quantitative approach based on primary data. For this study, the participants comprised 384 AIM borrowers from Terengganu, Kelantan, and Pahang in the east coast region of Malaysia. Purposive stratified random sampling was used as well as the Krejcie and Morgan method to count the number of samples. Descriptive statistics and the Women Empowerment Index (WEI) were used in the analysis. The study findings reveal that AIM microfinancing affects the economic, social, and household empowerment of women borrowers in Malaysia. However, in comparing the three categories, women enjoyed more freedom in social and household decision-making than in economic decision-making. The present study recommends policies for the successful and effective operation of microfinance programs by providing the necessary guidelines for the control of AIM loan for women borrowers; increasing income-generating activities, sufficient access of credit, and proper education for the borrowers; and giving economic freedom of choice with necessary skill training policymaking options for the government and NGOs with the aim to improve the total household income and empowerment of the microcredit borrowers in Malaysia.

목차

1. Introduction

2. Literature Review

3. Methodology

4. Results and Discussion

5. Summary of Findings

6. Conclusions

키워드

Amanah Ikhtiar Malaysia (AIM) Microfinance Women Empowerment Malaysia