IDEAS home Printed from https://ideas.repec.org/a/sae/vision/v20y2016i3p159-168.html
   My bibliography  Save this article

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

Author

Listed:
  • 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
    as

    Download full text from publisher

    File URL: https://journals.sagepub.com/doi/10.1177/0972262916651510
    Download Restriction: no
    File URL: https://libkey.io/10.1177/0972262916651510?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    References listed on IDEAS

    as
    1. Read, Stuart & Song, Michael & Smit, Willem, 2009. "A meta-analytic review of effectuation and venture performance," Journal of Business Venturing, Elsevier, vol. 24(6), pages 573-587, November.
    2. Erikson, Truls, 2002. "Entrepreneurial capital: the emerging venture's most important asset and competitive advantage," Journal of Business Venturing, Elsevier, vol. 17(3), pages 275-290, May.
    3. Levine, Ross, 2005. "Finance and Growth: Theory and Evidence," Handbook of Economic Growth, in: Philippe Aghion & Steven Durlauf (ed.), Handbook of Economic Growth, edition 1, volume 1, chapter 12, pages 865-934, Elsevier.
    4. Hessel Oosterbeek & Mirjam van Praag & Auke IJsselstein, 2008. "The impact of entrepreneurship education on entrepreneurship competencies and intentions: An evaluation of the Junior Achievement Student Mini-Company Program," Jena Economics Research Papers 2008-027, Friedrich-Schiller-University Jena.
    5. Angel de la Fuente & Rafael Doménech, 2006. "Human Capital in Growth Regressions: How Much Difference Does Data Quality Make?," Journal of the European Economic Association, MIT Press, vol. 4(1), pages 1-36, March.
    6. Mahmudul Alam & Rafiqul Islam Molla, 2012. "Limitations Of Microcredit For Promoting Microenterprises In Bangladesh," Economic Annals, Faculty of Economics and Business, University of Belgrade, vol. 57(192), pages 41-54, January –.
    7. Thorsten Beck & Asli Demirgüç-Kunt, 2004. "SMEs, Growth, and Poverty," World Bank Publications - Reports 11278, The World Bank Group.
    8. Ephraim Chirwa, 2008. "Effects of gender on the performance of micro and small enterprises in Malawi," Development Southern Africa, Taylor & Francis Journals, vol. 25(3), pages 347-362.
    9. World Bank, 2008. "Finance for All? Policies and Pitfalls in Expanding Access," World Bank Publications - Books, The World Bank Group, number 6905.
    10. Teemu Kautonen & Marco van Gelderen & Erno T. Tornikoski, 2013. "Predicting entrepreneurial behaviour: a test of the theory of planned behaviour," Applied Economics, Taylor & Francis Journals, vol. 45(6), pages 697-707, February.
    11. Hessel Oosterbeek & Mirjam van Praag & Auke IJsselstein, 2008. "The Impact of Entrepreneurship Education on Entrepreneurship Competencies and Intentions," Tinbergen Institute Discussion Papers 08-038/3, Tinbergen Institute.
    12. María-José Pinillos & Luisa Reyes, 2011. "Relationship between individualist–collectivist culture and entrepreneurial activity: evidence from Global Entrepreneurship Monitor data," Small Business Economics, Springer, vol. 37(1), pages 23-37, July.
    13. Man, Thomas W. Y. & Lau, Theresa & Chan, K. F., 2002. "The competitiveness of small and medium enterprises: A conceptualization with focus on entrepreneurial competencies," Journal of Business Venturing, Elsevier, vol. 17(2), pages 123-142, March.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. 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.
    2. 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.
    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.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Fischer, Denise & Greven, Andrea & Tornow, Mark & Brettel, Malte, 2021. "On the value of effectuation processes for R&D alliances and the moderating role of R&D alliance experience," Journal of Business Research, Elsevier, vol. 135(C), pages 606-619.
    2. Premand, Patrick & Brodmann, Stefanie & Almeida, Rita & Grun, Rebekka & Barouni, Mahdi, 2016. "Entrepreneurship Education and Entry into Self-Employment Among University Graduates," World Development, Elsevier, vol. 77(C), pages 311-327.
    3. Galil, Koresh & Varon, Eva, 2024. "National culture and banks stock volatility," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 91(C).
    4. Anastasiia Laskovaia & Galina Shirokova & Michael H. Morris, 2017. "National culture, effectuation, and new venture performance: global evidence from student entrepreneurs," Small Business Economics, Springer, vol. 49(3), pages 687-709, October.
    5. Kim Hoe Looi & Jane E. Klobas, 2020. "Malaysian Regulative Institutional Context Moderating Entrepreneurs’ Export Intention," Journal of Entrepreneurship and Innovation in Emerging Economies, Entrepreneurship Development Institute of India, vol. 29(2), pages 395-427, September.
    6. Mohammed Ait Lahcen & Pedro Gomis‐Porqueras, 2021. "A Model of Endogenous Financial Inclusion: Implications for Inequality and Monetary Policy," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 53(5), pages 1175-1209, August.
    7. Capolupo, Rosa, 2009. "The New Growth Theories and Their Empirics after Twenty Years," Economics - The Open-Access, Open-Assessment E-Journal (2007-2020), Kiel Institute for the World Economy (IfW Kiel), vol. 3, pages 1-72.
    8. Bhavani, T.A. & Bhanumurthy, N.R., 2014. "Financial Access - Measurement and Determinants: A Case Study of Unorganised Manufacturing Enterprises in India," Indian Economic Review, Department of Economics, Delhi School of Economics, vol. 49(1), pages 85-108.
    9. Alexander Krieger & Michael Stuetzer & Martin Obschonka & Katariina Salmela-Aro, 2022. "The growth of entrepreneurial human capital: origins and development of skill variety," Small Business Economics, Springer, vol. 59(2), pages 645-664, August.
    10. Claessens, Stijn, 2006. "Access to financial services: a review of the issues and public policy objectives," Journal of Financial Transformation, Capco Institute, vol. 17, pages 16-19.
    11. Celestine Katongole & John C. Munene & Muhammed Ngoma & Samuel Dawa & Arthur Sserwanga, 2015. "Entrepreneur’s Intrapersonal Resources and Enterprise Success among Micro and Small Scale Women Entrepreneurs," Journal of Enterprising Culture (JEC), World Scientific Publishing Co. Pte. Ltd., vol. 23(04), pages 405-447, December.
    12. Peter van der Zwan & Ingrid Verheul & Roy Thurik & Isabel Grilo, 2009. "Entrepreneurial Progress: Climbing the Entrepreneurial Ladder in Europe and the US," Tinbergen Institute Discussion Papers 09-070/3, Tinbergen Institute, revised 17 Mar 2010.
    13. Ajai Chopra, 2015. "Financing Productivity- and Innovation-Led Growth in Developing Asia: International Lessons and Policy Issues," Working Paper Series WP15-6, Peterson Institute for International Economics.
    14. Hugo Erken & Piet Donselaar & Roy Thurik, 2018. "Total factor productivity and the role of entrepreneurship," The Journal of Technology Transfer, Springer, vol. 43(6), pages 1493-1521, December.
    15. Ngalim, Siti Manisah & Ismail, Abdul Ghafar, 2015. "An Islamic Vision Development Based Indicators in Analysing the Islamic Banks Performance: Evidence from Malaysia, Indonesia and selected GCC Countries," Working Papers 1436-2, The Islamic Research and Teaching Institute (IRTI).
    16. von Graevenitz, Georg & Harhoff, Dietmar & Weber, Richard, 2010. "The effects of entrepreneurship education," Journal of Economic Behavior & Organization, Elsevier, vol. 76(1), pages 90-112, October.
    17. Jacques Sadiki & Stany Vwima & Philippe Lebailly, 2020. "Obstacles and Performance of Agribusiness Enterprises: Evidence from South-Kivu Eastern Democratic Republic of Congo," Asian Social Science, Canadian Center of Science and Education, vol. 16(11), pages 1-7, November.
    18. Gustavo Barrera-Verdugo, 2021. "Impact of self-perceptions, social norms, and social capital on nascent entrepreneurs: a comparative analysis by level of economic development in Latin American countries," Journal of Innovation and Entrepreneurship, Springer, vol. 10(1), pages 1-19, December.
    19. Allen, Franklin & Carletti, Elena & Cull, Robert & Qian, Jun & Senbet, Lemma, 2010. "The African Financial Development Gap," Working Papers 10-18, University of Pennsylvania, Wharton School, Weiss Center.
    20. Navid Bazzazian & Thomas Astebro, 2011. "Universities, Entrepreneurship and Local Economic Development," ERSA conference papers ersa10p822, European Regional Science Association.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:sae:vision:v:20:y:2016:i:3:p:159-168. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: SAGE Publications (email available below). General contact details of provider: .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.