KESAN PENYEDERHANA SIKAP USAHAWAN TERHADAP HUBUNGAN ANTARA PEMBIAYAAN MIKRO DAN PRESTASI PERUSAHAAN MIKRO BUMIPUTERA  (The Moderating Effect of Entrepreneurial Attitudes on the Relationship Between Microfinance and Bumiputera Micro-Enterprise Performance)

Mat Hashim Halim; Chor Foon Tang

doi:10.32890/ijms2024.31.2.12

Authors

Mat Hashim Halim
Chor Foon Tang

DOI:

https://doi.org/10.32890/ijms2024.31.2.12

Abstract

Pembiayaan kewangan dan sikap usahawan dilihat memainkan peranan penting dalam membantu pertumbuhan perusahaan bersaiz mikro, kecil dan sederhana (PKS). Kajian ini dijalankan bagi melihat sejauh manakah perkara ini memberi kesan secara langsung dan tidak langsung ke atas prestasi PKS. Tumpuan kajian diberikan kepada perusahaan bersaiz mikro Bumiputera di Pulau Pinang. Sejumlah 350 orang usahawan mikro Bumiputera di Pulau Pinang yang menerima pembiayaan kewangan mikro daripada pelbagai agensi dan institusi kewangan telah dipilih sebagai sampel kajian melalui kaedah pensampelan bola salji. Kaedah regresi berbilang digunakan bagi menerangkan pengaruh faktor pembiayaan dan sikap usahawan ke atas prestasi usahawan mikro Bumiputera di Pulau Pinang. Dapatan kajian mendapati pembiayaan mikro dan sikap usahawan memberikan pengaruh secara langsung yang signifikan positif ke atas prestasi perusahaan mikro Bumiputera. Hasil kajian dapat memberikan sumbangan kepada institusi kewangan dalam menilai keberkesanan kemudahan pembiayaan mikro di samping memberikan manfaat kepada usahawan mikro dalam membantu mengenal pasti faktor sikap yang dapat menyumbang kepada peningkatan prestasi perusahaan.

ABSTRACT

It is believed that microfinance and entrepreneurial attitudes contribute significantly to the expansion of micro, small, and medium-sized businesses (SMEs). This study was conducted to determine the direct and indirect effects of these factors on the performance of Bumiputera micro-enterprises in Penang. A total of 350 micro Bumiputera firms in Penang which received microfinance from various agencies and financial institutions were chosen as the sample through the snowball sampling approach. The influence of microfinance and entrepreneur attitude on the performance of Bumiputera micro companies in Penang is explained using multiple regression analysis. The regression study predicted that microfinance and entrepreneurial attitude have a direct and significant favourable effect on the performance of Bumiputera micro companies. The findings of this study can be used by financial institutions to evaluate the efficacy of microfinance facilities and by microbusinesses to identify attitude that contribute to enhancing enterprise success.

Keywords: Bumiputera, micro-enterprises, microcredit, entrepreneur attitudes, Penang.

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Author Biography

Chor Foon Tang

Dr. Chor Foon TANG is an Associate Professor of Economics attached to the Centre for Policy Research and International Studies (CenPRIS), Universiti Sains Malaysia. He holds a Ph.D. degree in Economics from the University of Malaya (UM). Before joining academia, he had worked in various commercial industries ranging from financial services to manufacturing for more than 5 years. He has been actively participating in academic research activities since 2006 with his seminal research outcomes appearing in several reputable academic journals in 2007. His research mainly revolves around argumentation pertaining to development economics, macroeconomics and growth catalysts in areas such as tourism, energy, savings, etc. utilising both time series and panel data econometric approaches. Dr. Tang has published more than 100 research articles in major international and local peer-reviewed journals, chapters in research books, proceedings, and discussion papers. His research outcomes and publications have contributed to both policy formulation and analysis in a variety of fields ranging from development economics, macroeconomics to tourism economics, especially in understanding the dynamics and efficacy of growth catalysts in stimulating economic development and social well-being. He is one of the Editors of the International Journal of Social Economics, International Journal of Tourism Policy, Institutions and Economies, and Asia-Pacific Journal of Business Administration. Besides, Dr. Tang is also the Guest Editors, the Editorial Board member and also the reviewer for a wide range of international, local scholarly journals, book, and the application of research grants. Moreover, the Research Paper in Economics (RePEc) ranked him in the list of Top 10% Economists in Malaysia as well as in Asia. The 2015 Bibliometric Study conducted by the Ministry of Science, Technology and Innovation (MOSTI) in Malaysia also cited him as one of the Top 15 Researchers in Malaysia ranked by the number of publications in journals with ISI-WoS - Social Sciences Citation Index (SSCI). Furthermore, Dr. Tang has been featured in the 2020 Stanford University's List of Top 2% Scientists in the World. His outstanding achievements in research and publications have earned him several national and international prestigious awards and scholarships. Moreover, his profile was chosen to include in the 28th Edition of Who's Who in the World in 2011 which is a compilation of biographies of accomplished individuals from 215 countries.