The Role Of Microcredit Financing On Women Empowerment In Malaysia

Microcredit has become a buzzword in the credit markets as an effective tool to deliver financial services to deprived women in the absence of conventional credit markets. The underlying logic is that through extending microcredit, women will be able to participate in economic market through forming...

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Main Author:	Al-Shami, Samer Ali
Format:	Thesis
Language:	English English
Published:	2016
Subjects:	H Social Sciences (General) HB Economic Theory
Online Access:	http://eprints.utem.edu.my/id/eprint/18611/1/The%20Role%20Of%20Microcredit%20Financing%20On%20Women%20Empowerment%20In%20Malaysia%2024%20Pages.pdf http://eprints.utem.edu.my/id/eprint/18611/2/The%20Role%20Of%20Microcredit%20Financing%20On%20Women%20Empowerment%20In%20Malaysia.pdf
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institution	Universiti Teknikal Malaysia Melaka
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language	English English
topic	H Social Sciences (General) HB Economic Theory
spellingShingle	H Social Sciences (General) HB Economic Theory Al-Shami, Samer Ali The Role Of Microcredit Financing On Women Empowerment In Malaysia
description	Microcredit has become a buzzword in the credit markets as an effective tool to deliver financial services to deprived women in the absence of conventional credit markets. The underlying logic is that through extending microcredit, women will be able to participate in economic market through forming their micro and small businesses. Consequently, they will gain incomes and contribute to their household supports to reduce their vulnerability and empower them. Although microfinance has reached the peak of momentum, recent literature documented conflicting evidence and demonstrated that empowerment may not or may only be partially achieved, especially in the Muslim community. Therefore, this study examines the effect of microcredit on Malay Muslim women empowerment in urban Selangor and Melaka. An explanatory mixed method was employed for the study. In the first step, a cross-sectional survey was distributed to 500 respondents to examine the effect of microfinance on women livelihood and decision-making process in intra-household as well as business. A multi-stage random sampling was used to collect data from urban areas in Selangor and Melaka. The time of joining AIM scheme was used to determine the type of treatment and control members, where 360 of current clients who spent three years in the AIM scheme are referred to as the treatment group and 140 of new clients who just joined the AIM scheme and have not yet used their loans are referred to as the control group. In the second step, 32 semi structured interviews were performed to deeply explain how access to AIM affects women empowerment. The logistic regression result shows that AIM has positive effect on women livelihood and decision-making process and resources controlling in intra-household as well as business. The finding of qualitative content analysis also confirms the impact of AIM on women empowerment. It also explains how access to microfinance shifts the strategy of decision-making process from solely husband or family base to self or jointly decision-making base. Moreover, the content analysis results show how access to microfinance empowers women in their community. Despite the significant impact of AIM on women empowerment, there are internal as well as external challenges faced by women borrowers which impede their sustainability and growth that need to be addressed by future researches. Therefore, this research recommends the policymakers to continue support poor and low income women and protect their micro and small businesses from massive competition and market monopoly as well as diversify their product and redesign microcredit disbursement and repayment process
format	Thesis
qualification_name	Doctor of Philosophy (PhD.)
qualification_level	Doctorate
author	Al-Shami, Samer Ali
author_facet	Al-Shami, Samer Ali
author_sort	Al-Shami, Samer Ali
title	The Role Of Microcredit Financing On Women Empowerment In Malaysia
title_short	The Role Of Microcredit Financing On Women Empowerment In Malaysia
title_full	The Role Of Microcredit Financing On Women Empowerment In Malaysia
title_fullStr	The Role Of Microcredit Financing On Women Empowerment In Malaysia
title_full_unstemmed	The Role Of Microcredit Financing On Women Empowerment In Malaysia
title_sort	role of microcredit financing on women empowerment in malaysia
granting_institution	Universiti Teknikal Malaysia Melaka
granting_department	Faculty of Technology Management and Technopreneurship
publishDate	2016
url	http://eprints.utem.edu.my/id/eprint/18611/1/The%20Role%20Of%20Microcredit%20Financing%20On%20Women%20Empowerment%20In%20Malaysia%2024%20Pages.pdf http://eprints.utem.edu.my/id/eprint/18611/2/The%20Role%20Of%20Microcredit%20Financing%20On%20Women%20Empowerment%20In%20Malaysia.pdf
_version_	1747833942875045888
spelling	my-utem-ep.186112021-10-10T22:36:05Z The Role Of Microcredit Financing On Women Empowerment In Malaysia 2016 Al-Shami, Samer Ali H Social Sciences (General) HB Economic Theory Microcredit has become a buzzword in the credit markets as an effective tool to deliver financial services to deprived women in the absence of conventional credit markets. The underlying logic is that through extending microcredit, women will be able to participate in economic market through forming their micro and small businesses. Consequently, they will gain incomes and contribute to their household supports to reduce their vulnerability and empower them. Although microfinance has reached the peak of momentum, recent literature documented conflicting evidence and demonstrated that empowerment may not or may only be partially achieved, especially in the Muslim community. Therefore, this study examines the effect of microcredit on Malay Muslim women empowerment in urban Selangor and Melaka. An explanatory mixed method was employed for the study. In the first step, a cross-sectional survey was distributed to 500 respondents to examine the effect of microfinance on women livelihood and decision-making process in intra-household as well as business. A multi-stage random sampling was used to collect data from urban areas in Selangor and Melaka. The time of joining AIM scheme was used to determine the type of treatment and control members, where 360 of current clients who spent three years in the AIM scheme are referred to as the treatment group and 140 of new clients who just joined the AIM scheme and have not yet used their loans are referred to as the control group. In the second step, 32 semi structured interviews were performed to deeply explain how access to AIM affects women empowerment. The logistic regression result shows that AIM has positive effect on women livelihood and decision-making process and resources controlling in intra-household as well as business. The finding of qualitative content analysis also confirms the impact of AIM on women empowerment. It also explains how access to microfinance shifts the strategy of decision-making process from solely husband or family base to self or jointly decision-making base. Moreover, the content analysis results show how access to microfinance empowers women in their community. Despite the significant impact of AIM on women empowerment, there are internal as well as external challenges faced by women borrowers which impede their sustainability and growth that need to be addressed by future researches. Therefore, this research recommends the policymakers to continue support poor and low income women and protect their micro and small businesses from massive competition and market monopoly as well as diversify their product and redesign microcredit disbursement and repayment process UTeM 2016 Thesis http://eprints.utem.edu.my/id/eprint/18611/ http://eprints.utem.edu.my/id/eprint/18611/1/The%20Role%20Of%20Microcredit%20Financing%20On%20Women%20Empowerment%20In%20Malaysia%2024%20Pages.pdf text en public http://eprints.utem.edu.my/id/eprint/18611/2/The%20Role%20Of%20Microcredit%20Financing%20On%20Women%20Empowerment%20In%20Malaysia.pdf text en validuser https://plh.utem.edu.my/cgi-bin/koha/opac-detail.pl?biblionumber=100417 phd doctoral Universiti Teknikal Malaysia Melaka Faculty of Technology Management and Technopreneurship 1. Abdullah, K., Noor, N.M. Wok, S., 2008. The perceptions of women’s roles and progress: A study of Malay Women. Social Indicators Research, 89(3), pp.439–455. 2. 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