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Evaluation of Micro Credit Program for Poverty Alleviation: A Case of Amanah Ikhtiar Malaysia (AIM)

This paper is to analyze the role of Amanah Iktiar Malaysia (AIM), the largest Malaysian microcredit program, in eradication poverty. This paper is a contribution to the ongoing debate on the effectiveness of poverty eradication programs and their impact on the poor. This paper analyzes the role pla...

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Main Authors: Norhaziah Nawai, Mohamad Sharif Bashir
Format: Conference Paper
Language:en_US
Published: 2009
Online Access:http://dspace.unimap.edu.my/xmlui/handle/123456789/1555
http://hdl.handle.net/123456789/1555
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spelling my.usim-15552015-07-06T04:06:37Z Evaluation of Micro Credit Program for Poverty Alleviation: A Case of Amanah Ikhtiar Malaysia (AIM) Norhaziah Nawai Mohamad Sharif Bashir This paper is to analyze the role of Amanah Iktiar Malaysia (AIM), the largest Malaysian microcredit program, in eradication poverty. This paper is a contribution to the ongoing debate on the effectiveness of poverty eradication programs and their impact on the poor. This paper analyzes the role played by AIM in poverty eradication and evaluates the AIM micro credit programs in selected rural areas in Malaysia. Empirical investigation has been based on survey question covered selected rural areas in Malaysia. The effectiveness of AIM program’s performance is influenced largely by three main groups of factors namely are outreach, financial sustainability and the impact on the client. The paper tries to see whether AIM small loans on reasonable terms provided to poor households for financing additional income-generating activities could be an effective way of reducing extreme rural poverty. Moreover, by providing working capital to small sized project households how much that credit could bring about a significant increase in project size and hence absorbing surplus labor in small projects leading to the increase in household income and consequently reducing extreme rural poverty. The study provides strong evidence that microfinance is indeed an effective tool for poverty eradication. The study will highlight a number of policy implications to improve the overall AIM performance. 2009-03-19T03:21:52Z 2009-03-19T03:21:52Z 2009-03-19T03:21:52Z Conference Paper http://hdl.handle.net/123456789/1555 en_US
institution Universiti Sains Islam Malaysia
building USIM Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universit Sains Islam i Malaysia
content_source USIM Institutional Repository
url_provider http://ddms.usim.edu.my/
language en_US
description This paper is to analyze the role of Amanah Iktiar Malaysia (AIM), the largest Malaysian microcredit program, in eradication poverty. This paper is a contribution to the ongoing debate on the effectiveness of poverty eradication programs and their impact on the poor. This paper analyzes the role played by AIM in poverty eradication and evaluates the AIM micro credit programs in selected rural areas in Malaysia. Empirical investigation has been based on survey question covered selected rural areas in Malaysia. The effectiveness of AIM program’s performance is influenced largely by three main groups of factors namely are outreach, financial sustainability and the impact on the client. The paper tries to see whether AIM small loans on reasonable terms provided to poor households for financing additional income-generating activities could be an effective way of reducing extreme rural poverty. Moreover, by providing working capital to small sized project households how much that credit could bring about a significant increase in project size and hence absorbing surplus labor in small projects leading to the increase in household income and consequently reducing extreme rural poverty. The study provides strong evidence that microfinance is indeed an effective tool for poverty eradication. The study will highlight a number of policy implications to improve the overall AIM performance.
format Conference Paper
author Norhaziah Nawai
Mohamad Sharif Bashir
spellingShingle Norhaziah Nawai
Mohamad Sharif Bashir
Evaluation of Micro Credit Program for Poverty Alleviation: A Case of Amanah Ikhtiar Malaysia (AIM)
author_facet Norhaziah Nawai
Mohamad Sharif Bashir
author_sort Norhaziah Nawai
title Evaluation of Micro Credit Program for Poverty Alleviation: A Case of Amanah Ikhtiar Malaysia (AIM)
title_short Evaluation of Micro Credit Program for Poverty Alleviation: A Case of Amanah Ikhtiar Malaysia (AIM)
title_full Evaluation of Micro Credit Program for Poverty Alleviation: A Case of Amanah Ikhtiar Malaysia (AIM)
title_fullStr Evaluation of Micro Credit Program for Poverty Alleviation: A Case of Amanah Ikhtiar Malaysia (AIM)
title_full_unstemmed Evaluation of Micro Credit Program for Poverty Alleviation: A Case of Amanah Ikhtiar Malaysia (AIM)
title_sort evaluation of micro credit program for poverty alleviation: a case of amanah ikhtiar malaysia (aim)
publishDate 2009
url http://dspace.unimap.edu.my/xmlui/handle/123456789/1555
http://hdl.handle.net/123456789/1555
_version_ 1645151194012712960
score 13.222552

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