Omar, Mohamed Zaini and Mohamad Nor, Che Supian and Main Rindam, Main Rindam
(2012)
Financing an Income Generating Activities Among the
Low Income Urban Households: Malaysian Experience.
In: CIBMP Annual Conference on Innovation in Business and Management & Doctoral Symposium, 27 February 2012, University of London.
(Submitted)
Abstract
This paper aims to provide an insights on the economic performance ofthe Amanah Ikhtiar
Malaysia (AIM) Urban Microfinance Programme based on a case study in Georgetown,
Penang. The central focus ofthe Urban Microfinance Programme is the provision of loan to
the low income urban households to be used for financing an income generating activities. In
this connection the purpose of this paper is to examine to (i) what extent the Urban
Microfinance Programme has been effective in increasing the incomes ofits participants and
(ii) identify what are the factors that have been contributing towards the increment ofthe
household incomes. AIM had adopted the Grameen Bank (GB) concept ofmicrofinance and
after sucessfully serving the rural area in Malaysia for more than two decades with the initial
Rural Microfinance Programme since 1987, had ventured into the urban area in early 2008
with the Urban Microfinance Programme to cater to the poor households and low income
groups in the urban area. Thus this programme can be seen as the mechanism of lifting the
income ofthe low income urban households.
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