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The Impact Of Microfinance On Households’ Socioeconomic Performance: A Proposed Mediation Model

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dc.contributor.authorW Muhammad Zainuddin B Wan Abdullahen_US
dc.contributor.authorWan Nur Rahini Aznie Bt Zainudinen_US
dc.contributor.authorSarina Binti Ismailen_US
dc.contributor.authorMohd Hassan Che Haaten_US
dc.contributor.authorHafiz Muhammad Zia-Ul-Haqen_US
dc.date.accessioned2024-05-27T14:35:10Z
dc.date.available2024-05-27T14:35:10Z
dc.date.issued2021
dc.date.submitted2022-1-28
dc.descriptionVolume 8 Issue 3 ( Pages.821-832)en_US
dc.description.abstractEconomic deprivation of households remains a significant economic issue in the world. Researchers have shown great concern in identifying crucial factors to enhance poor households’ socio-economic performance. Therefore, this paper aims to develop a new conceptual framework to investigate the influence of different microfinance services on households’ socioeconomic performance using moderated mediation analysis of various crucial factors. Focus-group interviews with managements of the microfinance institution, i.e. Amanah Ikhtiar Malaysia (AIM), and a systematic literature review were conducted for this purpose, and a new framework for the future study has been developed. The result from focus-group interviews and systematic literature review propose microfinance financial services, training programs, and business coaching as independent factors, whereas household socioeconomic performance as a dependent factor in the proposed model. Specifically, this study provides the direction to scholars to empirically test the direct relationship between financial services and household socioeconomic performance and the indirect relationship between training programs, business coaching, and household socioeconomic performance. Further, microfinance institutions’ service efficiency is also included as a moderator that can strengthen microfinance services’ effectiveness. The study also provides useful implications for policymakers, financial institutions, households, micro-enterprises, and researchers to better understand microfinance interventions and household economic mechanisms.en_US
dc.identifier.doihttp://dx.doi.org/10.13106/jafeb.2021.vol8.no3.0821
dc.identifier.epage832
dc.identifier.issn2288-4645
dc.identifier.issue3
dc.identifier.spage821
dc.identifier.urihttps://koreascience.kr/article/JAKO202106438543566.page
dc.identifier.urihttps://oarep.usim.edu.my/handle/123456789/3322
dc.identifier.volume8
dc.language.isoen_USen_US
dc.publisherKorea Distribution Science Associationen_US
dc.relation.ispartofJournal of Asian Finance, Economics and Businessen_US
dc.subjectMicrofinance Services, Financial Management Practices, Entrepreneurial Competencies, Socioeconomic Performanceen_US
dc.titleThe Impact Of Microfinance On Households’ Socioeconomic Performance: A Proposed Mediation Modelen_US
dc.typeArticleen_US
dspace.entity.typePublication

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