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Development initiatives, micro-enterprise performance and sustainability


Wan Nurulasiah Wan Mustapa and Abdullah Al- Mamun and Mohamed Dahlan Ibrahim (2018) Development initiatives, micro-enterprise performance and sustainability. International Journal of Financial Studies, 6 (3). pp. 1-15. ISSN 2227-7072


Towards improving the socio-economic condition of low-income households, development organizations offer a repertoire of initiatives. This study focused on the impacts of access to working capital and enterprise development training programs, on the performance and sustainability of micro-enterprises owned and managed by low-income households, in the state of Kelantan, Peninsular Malaysia. The data of 450 micro-entrepreneurs, was randomly selected from the participants’ list of three development organizations servicing Kelantan: Amanah Ikhtiar Malaysia (AIM); National Entrepreneurs Economic Group Fund (TEKUN); and Malaysia Fisheries Development Board (LKIM). This study revealed several participation indicators (i.e., years of participation, total number of trainings, total number of training hours received, and number of center meetings or discussions attended, etc.), which have a positive effect on micro-enterprise performance and sustainability. However, the findings were inconclusive as one of the key participation indicators, ‘total amount of economic loans received’, showed a negative (not statistically significant) effect on micro-enterprise performance and sustainability. This study expanded the limited literature on micro-enterprise performance and sustainability, and the role of working capital and enterprise development training programs; thus providing a clearer understanding of the effectiveness of current development initiatives.

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Additional Metadata

Item Type: Indexed Article
Collection Type: Institution
Date: 2018
Journal or Publication Title: International Journal of Financial Studies
ISSN: 2227-7072
Uncontrolled Keywords: micro-credit; training; low-income households; micro-enterprise performance; micro-enterprise sustainability; Malaysia
Faculty/Centre/Office: Faculty of Entrepreneurship and Business
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