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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
http://eprints.uthm.edu.my/72/
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spelling my.uthm.eprints.722021-06-22T03:48:46Z http://eprints.uthm.edu.my/72/ Integration of critical success factors from demand and supply sides to enhance micro financing framework for micro and small enterprises (mses) in Malaysia 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 NonPeerReviewed text en http://eprints.uthm.edu.my/72/1/24p%20MAZLIANA%20MURIDAN.pdf text en http://eprints.uthm.edu.my/72/2/MAZLIANA%20MURIDAN%20COPYRIGHT%20DECLARATION.pdf text en http://eprints.uthm.edu.my/72/3/MAZLIANA%20MURIDAN%20WATERMARK.pdf Muridan, Mazliana (2019) Integration of critical success factors from demand and supply sides to enhance micro financing framework for micro and small enterprises (mses) in Malaysia. Doctoral thesis, Universiti Tun Hussein Onn Malaysia.
institution Universiti Tun Hussein Onn Malaysia
building UTHM Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Tun Hussein Onn Malaysia
content_source UTHM Institutional Repository
url_provider http://eprints.uthm.edu.my/
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
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
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
http://eprints.uthm.edu.my/72/
_version_ 1738580690920800256
score 13.211869

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