Role of Financial Antecedents on Financial Performance of Micro Entrepreneurs in Sarawak, Malaysia

Habsah, Binti Haji Mohamad Sabli (2019) Role of Financial Antecedents on Financial Performance of Micro Entrepreneurs in Sarawak, Malaysia. PhD thesis, Universiti Malaysia Sarawak (UNIMAS).

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Abstract

Based on the Census of Establishments & Enterprises 2016 by the Department of Statistics Malaysia, out of the 907,065 SMEs established in Malaysia, 693,670 (78.7%) business establishments were contributed by the Micro Enterprises (MEs). A micro finance institution is the part of the micro enterprise and the entrepreneur that taking up loan from micro finance called the micro entrepreneurs. The success of a firm performance relies on the resource and micro entrepreneurs’ competency. Substantial evidence of the micro entrepreneurs has been supported by Resource-based theory (RBV) and Entrepreneurial Competency Theory has been reported in the literature. This study sought to establish the relationship between entrepreneur financial literacy, financial access, dynamic incentives, and micro entrepreneurs’ firm performance in Sarawak, Malaysia. A cross-section design was adopted for the study from representative sample of 400 micro entrepreneurs all over Sarawak Malaysia. Implications of the results show that entrepreneurs’ financial literacy is negatively associated with micro entrepreneurs’ firm performance but for the rest, have positively associated with dynamic incentives and micro entrepreneurs’ firm performance. The insights of my research are an essential contribution to the conversation of micro entrepreneurs’ firm performance in the extent literature. Therefore, the joint effects of entrepreneur financial literacy and dynamic incentives with micro entrepreneur’s firm performance significant and thus government should take further steps to improve it.

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