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Access to Credit, Education and Entrepreneurial Competencies: A Study among Women Micro-entrepreneurs in Malaysia

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  • Abdullah Al Mamun

Abstract

This study examines how entrepreneurial competencies, education and total amount of credit received affect the performance of microenterprises owned and managed by Amanah Ikhtiar Malaysia’s (AIM) successful women micro-entrepreneurs in Malaysia. This study, using a cross-sectional design, collected quantitative data from 407 women micro-entrepreneurs through structured interviews. Findings of this study indicate that women micro-entrepreneurs’ level of education, entrepreneurial competencies and total amount of economic credit received have a significant positive effect on microenterprise performance. Among these three aspects, credit received has a relatively higher effect on microenterprise performance followed by level of education and entrepreneurial competencies. Therefore, AIM should focus on designing a flexible and diversified credit programme, followed by specialized training programmes, and facilitate sharing of experiences in order to improve the competencies, which could ultimately improve the performance of microenterprises owned and managed by the low-income women micro-entrepreneurs in Malaysia.

Suggested Citation

  • Abdullah Al Mamun, 2016. "Access to Credit, Education and Entrepreneurial Competencies: A Study among Women Micro-entrepreneurs in Malaysia," Vision, , vol. 20(3), pages 159-168, September.
    • Handle: RePEc:sae:vision:v:20:y:2016:i:3:p:159-168
    DOI: 10.1177/0972262916651510
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    Cited by:

    1. Samsidine Aidara & Abdullah Al Mamun & Noorul Azwin Md Nasir & Muhammad Mohiuddin & Noorshella Che Nawi & Noor Raihani Zainol, 2021. "Competitive Advantages of the Relationship between Entrepreneurial Competencies and Economic Sustainability Performance," Sustainability, MDPI, vol. 13(2), pages 1-19, January.
    2. Abdullah Al Mamun & Mohd Asrul Hery Bin Ibrahim & Rajennd A/L Muniady & Mohammad Bin Ismail & Noorshella Binti Che Nawi & Noorul Azwin Binti Md Nasir, 2019. "Observations of Participation in Development Initiatives on Enterprise Income and Asset in Peninsular Malaysia," Journal of Entrepreneurship and Innovation in Emerging Economies, Entrepreneurship Development Institute of India, vol. 5(2), pages 198-213, July.
    3. Mohamed Dahlan Ibrahim & Abdullah Al Mamun & Norasmah Othman & Mohd Nor Hakimin Yusoff & Naresh Kumar Samy & Suria Baba & Ahmad Syakir Junoh Ismail & Tengku Mohd Azizuddin Tuan Mahmood & Nik Nor Hafiz, 2019. "The Development of an Entrepreneurship Index for Low-Income Households," Business Perspectives and Research, , vol. 7(1), pages 16-29, January.

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