Microfinance and Performance of Micro and Small Enterprises: Does Training have an Impact

Haider, Syed Hussain; Asad, Muzaffar; Fatima, Minaa; Abidin, Rana Zain Ul

doi:10.5296/jebi.v4i1.10566

Cited by 34 publications

(48 citation statements)

References 18 publications

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“…Given that training is one of the important microfinance programmes, Kessy and Temu (2010) found that firms that were managed by owners with business training expected an increase in assets and sales as compared to those who did not. Haider, Asad, Fatima, and Zain Ul Abidin (2017) supported this earlier finding. Interestingly, Al Mamun (2014) found that group-based microcredit programme participation strengthened formal social bonding which led to an increase in productive assets.…”

Section: Literature Reviewsupporting

confidence: 86%

“…This finding also extended the MFI initial goal in terms of poverty alleviation through women empowerment. Many studies have shown consistent findings of the advantages of microfinance programs (Ferdousi, 2015; Haider, Asad, Fatima, & Abidin, 2017; Mahmood & Mohd Rosli, 2013; Mamun, 2016). These have proven that microfinance programmes had a positive impact on microenterprise performance.…”

Section: Literature Reviewmentioning

confidence: 74%

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Observations of Participation in Development Initiatives on Enterprise Income and Asset in Peninsular Malaysia

Mamun

Ibrahim

Rajennd

et al. 2019

Journal of Entrepreneurship and Innovation in Emerging Economie

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This study examined the impact of access to working capital and microenterprise development training programmes on microenterprise income and assets among participants from various development initiatives in the eKasih (National Poverty Data Bank) in Peninsular Malaysia. Adopting a cross-sectional design, we collected data from randomly selected 300 micro-entrepreneurs from the list of development organizations available in the eKasih (National Poverty Data Bank), located in four states in Peninsular Malaysia. Quantitative data were collected through structured interviews from October to November 2017. Findings revealed that the ‘length of participation in development programs’ increased microenterprise income and assets among low-income participants in Peninsular Malaysia. The total amount of economic loan received was also found to increase microenterprise assets. However, the effect on microenterprise income was not clear. In addition, development training programmes were found to have no substantial effect on both microenterprise income and assets. This article ascertained a mixed result of participation in development programmes on microenterprise income and assets among low-income households in Peninsular Malaysia. Development policymakers and organizations should review the effectiveness of the programmes and redesign their products and services to achieve their objectives.

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Section: Literature Reviewsupporting

confidence: 86%

Section: Literature Reviewmentioning

confidence: 74%

Observations of Participation in Development Initiatives on Enterprise Income and Asset in Peninsular Malaysia

Mamun

Ibrahim

Rajennd

et al. 2019

Journal of Entrepreneurship and Innovation in Emerging Economie

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“…SMEs have been accepted as the engine of economic growth and the promoter of equitable development (Christopher, 2007). The activities of SMEs to a reasonable level create employment, which helps the government generate a lot of revenue through taxes used for the developmental project (Haider, Asad, Fatima & Abidin, 2017). Government generates a lot of revenue through taxes paid by small businesses which are used to undertake development projects in the country (Abor & Quartey, 2010).…”

Section: Roles Small Business Play In Developing Countriesmentioning

confidence: 99%

The Impact of Microfinance Banks on the Growth of Small and Medium Enterprises in Lagos Metropolis

Aladejebi¹

2019

EJSD

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Small and Medium Enterprises (SMEs) play a major role in the Nigerian economy, especially in terms of Employment, growth, productivity, and poverty alleviation. The purpose of this study was to examine the impact of Microfinance Banks (MFB) on the growth of SMEs in Lagos metropolis The data for this study was collected via questionnaires given to the owners of SMEs that had accounts with microfinance banks in Lagos metropolis. Out of 209 questionnaires distributed, 205 were viable and analyzed using the SPSS package. The questionnaire contained 2 sections. Section 1 for general information while section 2 contains questions on effects of micro-savings on financial performance, effects of microcredit on the financial performance of the SMEs, effects of training on the financial performance of the SMEs and financial performance. The outcome revealed that the savings among SMEs are encouraging because of higher interest rates compared to deposit banks, faster loan disbursement, failure of MFBs to conduct training for SMEs, while the majority of SMEs experienced financial growth using MFB products. Keywords: Small business, Microfinance banks, SME growth, Lagos metropolis

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“…For instance, in Ghana, 92 percent of businesses are small businesses, and they contribute 70 percent to GDP and 80 percent to employment. The activities of small businesses to a larger extent creates job (Agwu & Emeti, 2014;Boadu, Gabriel, Appiah & Dwomo-Fokuo, 2014;Haider, Asad, Fatima & Abidin, 2017), and government generate a lot of revenue through taxes paid by small businesses which are used to undertake developmental projects in the country (Abor & Quartey, 2010). Due to the significant role small businesses play, the growth and sustainability of them is crucial for economic stability and development.…”

Section: Introductionmentioning

confidence: 99%

Effect of Microfinance Products on Small Business Growth: Emerging Economy Perspective

Gyimah

Boachie

2018

jebi

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Small businesses play significant role to the economic stability and development of emerging economies, and access to financial services is crucial to their growth and performance. This study seeks to ascertain whether microfinance products such as loans, savings, insurance, and education effects small business growth in Ghana. The study uses descriptive and inferential statistics on responses of 248 small business owners for data analysis. Using a multiple linear regression analysis, the study found that all the microfinance product or services positively affects small business growth, and the greatest influence is micro loans. This study contributes massively to exact literature to the growth of microfinance institutions (MFIs) and small businesses in emerging economy, Ghana. The study can assist MFIs to assess the effectiveness of their product or services, and can also serves as a guide to an effective utilization of available scarce resources leading to growth of small businesses in emerging economies.

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Microfinance and Performance of Micro and Small Enterprises: Does Training have an Impact

Cited by 34 publications

References 18 publications

Observations of Participation in Development Initiatives on Enterprise Income and Asset in Peninsular Malaysia

Observations of Participation in Development Initiatives on Enterprise Income and Asset in Peninsular Malaysia

The Impact of Microfinance Banks on the Growth of Small and Medium Enterprises in Lagos Metropolis

Effect of Microfinance Products on Small Business Growth: Emerging Economy Perspective

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