Micro enterprises in Malaysia: an empirical assessment on financial obstacles
This study was designed to empirically determine how and to what extent the micro enterprises in Malaysia are able to overcome the problems of accessing finance. The primary data is collected from the administered survey questions in Klang Valley (Selangor and Kuala Lumpur) and the analysis is condu...
| Main Authors: | , , , , |
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| Format: | Proceeding Paper |
| Language: | English English |
| Published: |
2014
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| Subjects: | |
| Online Access: | http://irep.iium.edu.my/39838/ http://irep.iium.edu.my/39838/1/IBBC2014-AL24.pdf http://irep.iium.edu.my/39838/3/15_ogos_2014_FINAL_IBBC_2014_Program_Book.pdf |
| _version_ | 1848781852630843392 |
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| author | Duasa, Jarita Mohd Thas Thaker, Mohamed Asmy Mohamed, Mustafa Omar Afroz, Rafia Zainal Abidin, Rozita |
| author_facet | Duasa, Jarita Mohd Thas Thaker, Mohamed Asmy Mohamed, Mustafa Omar Afroz, Rafia Zainal Abidin, Rozita |
| author_sort | Duasa, Jarita |
| building | IIUM Repository |
| collection | Online Access |
| description | This study was designed to empirically determine how and to what extent the micro enterprises in Malaysia are able to overcome the problems of accessing finance. The primary data is collected from the administered survey questions in Klang Valley (Selangor and Kuala Lumpur) and the analysis is conducted using statistical analysis and Logistic Regression analysis. It outlines an approach on how micro enterprises perceive the constraints of financial access emerge as the binding constraint. Micro enterprises are considered as risky business and thus strict loan conditions have been imposed on them by financial institutions. Among the conditions imposed by the financial institutions are strict collateral requirement, high cost of financing, strict documentation requirement and good financial and business track record. Unfortunately, most of them cannot fulfill these conditions and continue to face the problem of accessing finance. The results of the study revealed that lack of accessing to finance has hampered the development of micro enterprises in Malaysia. |
| first_indexed | 2025-11-14T15:56:09Z |
| format | Proceeding Paper |
| id | iium-39838 |
| institution | International Islamic University Malaysia |
| institution_category | Local University |
| language | English English |
| last_indexed | 2025-11-14T15:56:09Z |
| publishDate | 2014 |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | iium-398382015-01-14T06:48:20Z http://irep.iium.edu.my/39838/ Micro enterprises in Malaysia: an empirical assessment on financial obstacles Duasa, Jarita Mohd Thas Thaker, Mohamed Asmy Mohamed, Mustafa Omar Afroz, Rafia Zainal Abidin, Rozita HG Finance This study was designed to empirically determine how and to what extent the micro enterprises in Malaysia are able to overcome the problems of accessing finance. The primary data is collected from the administered survey questions in Klang Valley (Selangor and Kuala Lumpur) and the analysis is conducted using statistical analysis and Logistic Regression analysis. It outlines an approach on how micro enterprises perceive the constraints of financial access emerge as the binding constraint. Micro enterprises are considered as risky business and thus strict loan conditions have been imposed on them by financial institutions. Among the conditions imposed by the financial institutions are strict collateral requirement, high cost of financing, strict documentation requirement and good financial and business track record. Unfortunately, most of them cannot fulfill these conditions and continue to face the problem of accessing finance. The results of the study revealed that lack of accessing to finance has hampered the development of micro enterprises in Malaysia. 2014 Proceeding Paper PeerReviewed application/pdf en http://irep.iium.edu.my/39838/1/IBBC2014-AL24.pdf application/pdf en http://irep.iium.edu.my/39838/3/15_ogos_2014_FINAL_IBBC_2014_Program_Book.pdf Duasa, Jarita and Mohd Thas Thaker, Mohamed Asmy and Mohamed, Mustafa Omar and Afroz, Rafia and Zainal Abidin, Rozita (2014) Micro enterprises in Malaysia: an empirical assessment on financial obstacles. In: 6th International Borneo Business Conference, 20-21 Aug. 2014, Riverside Majestic Hotel, Kuching, Sarawak. (Unpublished) http://ibbc2014.webs.com/ |
| spellingShingle | HG Finance Duasa, Jarita Mohd Thas Thaker, Mohamed Asmy Mohamed, Mustafa Omar Afroz, Rafia Zainal Abidin, Rozita Micro enterprises in Malaysia: an empirical assessment on financial obstacles |
| title | Micro enterprises in Malaysia: an empirical assessment on financial obstacles |
| title_full | Micro enterprises in Malaysia: an empirical assessment on financial obstacles |
| title_fullStr | Micro enterprises in Malaysia: an empirical assessment on financial obstacles |
| title_full_unstemmed | Micro enterprises in Malaysia: an empirical assessment on financial obstacles |
| title_short | Micro enterprises in Malaysia: an empirical assessment on financial obstacles |
| title_sort | micro enterprises in malaysia: an empirical assessment on financial obstacles |
| topic | HG Finance |
| url | http://irep.iium.edu.my/39838/ http://irep.iium.edu.my/39838/ http://irep.iium.edu.my/39838/1/IBBC2014-AL24.pdf http://irep.iium.edu.my/39838/3/15_ogos_2014_FINAL_IBBC_2014_Program_Book.pdf |