Purpose While it is perceived that adoption reflects acceptance, the purpose of this paper is to argue that individual usage is critical and cannot be guaranteed by mere adoption. This study, therefore, focuses on the factors (i.e. performance expectancy, perceived trust, perceived risk,...

This study employs a cross sectional design with stratified random sampling method to examine the factors that are associated with repayment problem encountered by clients of Amanah Ikhtiar Malaysia (AIM)'s microcredit program. Findings of this study show that fungibility issue, number of...

The objective of this study is to examine the impact of Amanah Ikhtiar Malaysia's (AIM) microcredit program on their poor client's quality of life in rural Malaysia. AIM provides small scale financial services and training to poor and hardcore poor households in order to improve their...

This study was undertaken to measure and compare the impact of Amanah Ikhtiar Malaysia's (AIM) microcredit programs on low-income household's quality of life between urban and rural Peninsular Malaysia. To achieve the aforementioned objective, this study employed a cross-sectional data analysis...

The objective of this study is to examine how Amanah Ikhtiar Malaysia (AIM)'s clients have been using the microcredit received and the effect of microcredit utilization on household income and asset. To obtain the above mentioned objectives, this study employed a cross sectional stratified...

This study employs a cross sectional design with stratified random sampling method to examine how participation in Amanah Ikhtiar Malaysia's (AIM) microcredit program affects employment rate of hardcore poor clients household and community in Peninsular Malaysia. So far no known study has been...

This study employs a cross sectional design with stratified random sampling method to examine the effect of Amanah Ikhtiar Malaysia's (AIM) microcredit program on hardcore poor households' microenterprise assets in Peninsular Malaysia. So far no known study has been conducted to measure the...

The primary purpose of this study is to examine the effect of Amanah Ikhtiar Malaysia (AIM)'s microcredit program on hardcore poor households' microenterprise income in Peninsular Malaysia. A cross sectional design with stratified random sampling method was employed to obtain the above mentioned...