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ID: 111869

Examining the effect of microcredit on poverty in Malaysia / Al-Mamun, Abdullah; Malarvizhi, C A; Hossain, Sayed; Tan, Siow-Hooi

Hossain, Sayed	Journal Article
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2012.

Summary/Abstract

This study employs a cross-sectional design with stratified random sampling method to examine if the microcredit programme of the Amanah Ikhtiar Malaysia (AIM) improves the income of hardcore poor households. This study uses a quasi-experimental approach and selected control and treatment group members from AIM's client's base - new and old clients respectively. It is evident that the AIM's microcredit programme increased the household's income and reduced the poverty rate among their hardcore poor clients in Peninsular Malaysia. Findings of the study indicate the effectiveness of microcredit in eradicating poverty. This programme should, therefore, focus on diversifying their products and services in order to increase outreach and decrease inactive borrowers and dropouts.

Key Words

Poverty ; Malaysia ; Amanah Ikhtiar Malaysia (AIM) ; Microcredit Programme

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ID: 135324

Investigating the effects of Amanah Ikhtiar Malaysia’s microcredit programmes on employment in rural Malaysia / Al-Mamun, Abdullah; Mohiuddin, Muhammad ; Mariapun, Saminathan

Al-Mamun, Abdullah	Article
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Summary/Abstract

The creation of either self-employment or wage-earning job opportunities is considered one of the more effective strategies for sustainable poverty alleviation. The Malaysian government promulgated a national plan for poverty eradication in its Vision 2020 agenda by emphasizing full employment. However, the classic trickle-down effects of large-scale industrialization policies can hardly be expected to reach the bottom-most tier of a country’s poorest group. Instead, more precise tools such as microcredit loans and socio-economic support services would better address hardcore poverty. This paper employs a cross-sectional design with a stratified random sampling method to examine the impact of Amanah Ikhtiar Malaysia’s (AIM) microcredit programmes for women on employment generation at the client, household and community levels in rural Peninsular Malaysia.

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