MICRO ENTREPRENEURS’ INTENTION TO BECOME MEMBER OF MICROCREDIT SCHEME WITH EDUCATIONAL TRAINING AND MOTIVATIONAL PROGRAM
MOHAMED, ZAINAL ABIDIN
TAMMILI, FATIN NAJIHA MOHD
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In Malaysia, there are enterprises with smaller size called micro-enterprises. The entrepreneurs of these enterprises seek opportunities to obtain operating and management cost to uplift their business to small and medium-sized enterprises. In order to support micro-enterprises financially, there are various loans available for micro enterprises entrepreneurs (MEs) in Malaysia. In addition to the fund, some of the financial institutions also provide technical, financial and management training and guidance in order to develop the entrepreneurial skills as well as the businesses. A series of field surveys was conducted using stratified random sampling in selecting two hundred micro enterprises entrepreneurs in 2015 using structured questionnaire for gathering needed information in Kuala Selangor, Hulu Langat, and Gombak in Selangor. The survey consisted of entrepreneurs who take loans from financial institutions that do not provide educational training and motivational programs (ETMP) and those who do not take loans. In order to clarify the characteristics of entrepreneurs having the intention to become members of microcredit scheme with ETMP in future, two methods of analysis were applied. They are descriptive analysis and binary logistic regression analysis. The results show that 87 (43.5 %) microentrepreneurs have the intention of becoming members of microcredit scheme with ETMP. The binary logistic regression indicated that women involvement in business, on time repayment and educational background of the respondents are important determinant of intention to join ETMP.