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Microcredit for rural poverty alleviation and social well-being: A study of Sabah, Malaysia
Haris Abd. Wahab,William Bunyau,M. Rezaul Islam 한국사회복지학회 2018 Asian Social Work and Policy Review Vol.12 No.1
Microcredit is an influential intervention used to alleviate poverty and improve social well-being in rural communities in Sabah, Malaysia. This study examined the effects of a microcredit scheme, Amanah Ikhtiar Malaysia (AIM), on the well-being of these communities. Using a survey method, a pre-tested interview schedule was administered to 277 AIM recipients in Sabah, Malaysia. Social well-being was examined based on the three indicators of Midgley’s social development approach: the management of problems, the fulfillment of basic needs, and social opportunities provided. AIM microcredit schemes were successful in improving the well-being of AIM recipients, although the recipients faced a number of problems, including unemployment, lack of education, and access to public services and healthcare facilities. The findings of this study represent a useful guideline to the AIM authority, development practitioners, policymakers, and governmental organization and nongovernmental organization workers