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Microfinance Institutions in Malaysia

In: Microfinance in Asia

Author

Listed:
  • Mohamad D. Revindo
  • Christopher Gan
Abstract
Microfinance was introduced in Malaysia in 1987 to provide financial access to the poorest member of the society and to reduce the persisting income inequality. Poverty and inequality in Malaysia are characterised by the income disparity between urban–rural populations, gender, as well as among ethnic groups and states. This chapter gives an overview of three main Microfinance Institutions (MFIs) in Malaysia, namely Amanah Ikhtiar Malaysia (AIM), Yayasan Usaha Maju (YUM) and Tabung Ekonomi Kumpulan Usaha Niaga (TEKUN). The three MFIs receive financial support from the Malaysian government but differ in the year of establishment, organisation type, lending schemes, service area coverage and target borrowers. MFIs differ in the performance of their loans’ repayment rate where the high Non-Performing Loans (NPL) can be associated with the loans’ lending terms as well as borrowers’ certain individual and household characteristics. MFIs’ microcredit loans positively affect borrowers’ individual, household and microenterprise economic performances but the magnitudes of the impact vary among MFIs and across economic performance measures. The implications of the presented findings and analysis are discussed, both for the MFIs and the policy makers.

Suggested Citation

  • Mohamad D. Revindo & Christopher Gan, 2017. "Microfinance Institutions in Malaysia," World Scientific Book Chapters, in: Microfinance in Asia, chapter 3, pages 47-91, World Scientific Publishing Co. Pte. Ltd..
    • Handle: RePEc:wsi:wschap:9789813147959_0003
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    Cited by:

    1. Dewi Ratna Sjari Martokoesoemo & Bonar M. Sinaga & Nunung Kusnadi & Yusman Syaukat, 2020. "Business Vulnerability and Credit Access for Agriculture-Based Micro and Small Women Entrepreneurs," Economics and Finance in Indonesia, Faculty of Economics and Business, University of Indonesia, vol. 66, pages 97-111, Desember.

    More about this item

    Keywords

    Microfinance; Poverty Alleviation; Rural Credit; Asia; Grameen Bank;
    All these keywords.

    JEL classification:

    • F30 - International Economics - - International Finance - - - General

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