文章基本信息

标题：The Impact of Microfinance on Households' Socioeconomic Performance: A Proposed Mediation Model
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作者：ABDULLAH, W Muhammad Zainuddin B Wan ; ZAINUDIN, Wan Nur Rahini Aznie Bt ; ISMAIL, Sarina Binti 等
期刊名称：Journal of Asian Finance, Economics and Business
印刷版ISSN：2288-4637
电子版ISSN：2288-4645
出版年度：2021
卷号：8
期号：3
页码：821-832
DOI：10.13106/jafeb.2021.vol8.no3.0821
语种：English
出版社：Korean Distribution Science Association
摘要：Economic deprivation of households remains a significant economic issue in the world. Researchers have shown great concern in identifying crucial factors to enhance poor households' socio-economic performance. Therefore, this paper aims to develop a new conceptual framework to investigate the influence of different microfinance services on households' socioeconomic performance using moderated mediation analysis of various crucial factors. Focus-group interviews with managements of the microfinance institution, i.e. Amanah Ikhtiar Malaysia (AIM), and a systematic literature review were conducted for this purpose, and a new framework for the future study has been developed. The result from focus-group interviews and systematic literature review propose microfinance financial services, training programs, and business coaching as independent factors, whereas household socioeconomic performance as a dependent factor in the proposed model. Specifically, this study provides the direction to scholars to empirically test the direct relationship between financial services and household socioeconomic performance and the indirect relationship between training programs, business coaching, and household socioeconomic performance. Further, microfinance institutions' service efficiency is also included as a moderator that can strengthen microfinance services' effectiveness. The study also provides useful implications for policymakers, financial institutions, households, micro-enterprises, and researchers to better understand microfinance interventions and household economic mechanisms.
关键词：Microfinance Services;Financial Management Practices;Entrepreneurial Competencies;Socioeconomic Performance