Integration of critical success factors from demand and supply sides to enhance micro financing framework for micro and small enterprises (mses) in Malaysia

Micro and small enterprises (MSEs) play important roles in the Malaysian economy. Access to financing is one of the main constraints for most micro and small enterprises (MSEs) in business survival. The Malaysian government is aware of the financing issues among micro and small enterprises. Therefor...

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Main Author:	Muridan, Mazliana
Format:	Thesis
Language:	English English English
Published:	2019
Subjects:	HB Economic Theory
Online Access:	http://eprints.uthm.edu.my/72/1/24p%20MAZLIANA%20MURIDAN.pdf http://eprints.uthm.edu.my/72/2/MAZLIANA%20MURIDAN%20COPYRIGHT%20DECLARATION.pdf http://eprints.uthm.edu.my/72/3/MAZLIANA%20MURIDAN%20WATERMARK.pdf
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id	my-uthm-ep.72
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spelling	my-uthm-ep.722021-06-22T03:48:46Z Integration of critical success factors from demand and supply sides to enhance micro financing framework for micro and small enterprises (mses) in Malaysia 2019 Muridan, Mazliana HB Economic Theory Micro and small enterprises (MSEs) play important roles in the Malaysian economy. Access to financing is one of the main constraints for most micro and small enterprises (MSEs) in business survival. The Malaysian government is aware of the financing issues among micro and small enterprises. Therefore, the National SME Development Council has approved the sustainable microfinance framework in 2006 to improve access for financing from financial institutions. However, there are few weaknesses of the micro financing framework, since many micro enterprises are unable to reach the financing facilities. The existing framework only focuses on the side of financial supply but less attention to the demand side, which is important as guidance for MSEs in obtaining financing. Therefore, this research explored the access to financing for MSEs in Malaysia by enhancing the sustainable microfinance framework for MSEs. A mixed method approach (quantitative and qualitative) employed in this research by implementing survey and case study research design. Surveys were conducted to 321 respondents from MSEs while interviews were conducted to six microfinance providers and ten MSEs. The findings of this research were used to enhance the existing microfinance framework. The new framework was enhanced from the existing microfinance framework by integrating the demand and supply side in the framework. The supply side represents the microfinance providers while the demand side represents MSEs. Several elements had been placed in the demand side such as the sources of financing, the major challenges in getting financing and the success factors of micro financing. On the supply side, few elements were included in strategic initiatives. All those elements provide a better understanding of the strategies in getting financing and yet become a guideline for MSEs to be successful in getting external funds for their businesses. 2019 Thesis http://eprints.uthm.edu.my/72/ http://eprints.uthm.edu.my/72/1/24p%20MAZLIANA%20MURIDAN.pdf text en public http://eprints.uthm.edu.my/72/2/MAZLIANA%20MURIDAN%20COPYRIGHT%20DECLARATION.pdf text en staffonly http://eprints.uthm.edu.my/72/3/MAZLIANA%20MURIDAN%20WATERMARK.pdf text en validuser phd doctoral Universiti Tun Hussein Onn Malaysia Fakulti Pengurusan Teknologi dan Perniagaan
institution	Universiti Tun Hussein Onn Malaysia
collection	UTHM Institutional Repository
language	English English English
topic	HB Economic Theory
spellingShingle	HB Economic Theory Muridan, Mazliana Integration of critical success factors from demand and supply sides to enhance micro financing framework for micro and small enterprises (mses) in Malaysia
description	Micro and small enterprises (MSEs) play important roles in the Malaysian economy. Access to financing is one of the main constraints for most micro and small enterprises (MSEs) in business survival. The Malaysian government is aware of the financing issues among micro and small enterprises. Therefore, the National SME Development Council has approved the sustainable microfinance framework in 2006 to improve access for financing from financial institutions. However, there are few weaknesses of the micro financing framework, since many micro enterprises are unable to reach the financing facilities. The existing framework only focuses on the side of financial supply but less attention to the demand side, which is important as guidance for MSEs in obtaining financing. Therefore, this research explored the access to financing for MSEs in Malaysia by enhancing the sustainable microfinance framework for MSEs. A mixed method approach (quantitative and qualitative) employed in this research by implementing survey and case study research design. Surveys were conducted to 321 respondents from MSEs while interviews were conducted to six microfinance providers and ten MSEs. The findings of this research were used to enhance the existing microfinance framework. The new framework was enhanced from the existing microfinance framework by integrating the demand and supply side in the framework. The supply side represents the microfinance providers while the demand side represents MSEs. Several elements had been placed in the demand side such as the sources of financing, the major challenges in getting financing and the success factors of micro financing. On the supply side, few elements were included in strategic initiatives. All those elements provide a better understanding of the strategies in getting financing and yet become a guideline for MSEs to be successful in getting external funds for their businesses.
format	Thesis
qualification_name	Doctor of Philosophy (PhD.)
qualification_level	Doctorate
author	Muridan, Mazliana
author_facet	Muridan, Mazliana
author_sort	Muridan, Mazliana
title	Integration of critical success factors from demand and supply sides to enhance micro financing framework for micro and small enterprises (mses) in Malaysia
title_short	Integration of critical success factors from demand and supply sides to enhance micro financing framework for micro and small enterprises (mses) in Malaysia
title_full	Integration of critical success factors from demand and supply sides to enhance micro financing framework for micro and small enterprises (mses) in Malaysia
title_fullStr	Integration of critical success factors from demand and supply sides to enhance micro financing framework for micro and small enterprises (mses) in Malaysia
title_full_unstemmed	Integration of critical success factors from demand and supply sides to enhance micro financing framework for micro and small enterprises (mses) in Malaysia
title_sort	integration of critical success factors from demand and supply sides to enhance micro financing framework for micro and small enterprises (mses) in malaysia
granting_institution	Universiti Tun Hussein Onn Malaysia
granting_department	Fakulti Pengurusan Teknologi dan Perniagaan
publishDate	2019
url	http://eprints.uthm.edu.my/72/1/24p%20MAZLIANA%20MURIDAN.pdf http://eprints.uthm.edu.my/72/2/MAZLIANA%20MURIDAN%20COPYRIGHT%20DECLARATION.pdf http://eprints.uthm.edu.my/72/3/MAZLIANA%20MURIDAN%20WATERMARK.pdf
_version_	1747830522620411904

Integration of critical success factors from demand and supply sides to enhance micro financing framework for micro and small enterprises (mses) in Malaysia

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