A study of Direct Credit for Small and Medium-sized Enterprises in Malaysia: Features and Effects
| Project/Area Number |
26380321
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| Research Category |
Grant-in-Aid for Scientific Research (C)
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| Allocation Type | Multi-year Fund |
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| Section | 一般 |
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| Research Field |
Economic policy
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| Research Institution | Toyo University |
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Principal Investigator |
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| Project Period (FY) |
2014-04-01 – 2017-03-31
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| Project Status |
Completed (Fiscal Year 2016)
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| Budget Amount *help |
¥2,470,000 (Direct Cost: ¥1,900,000、Indirect Cost: ¥570,000)
Fiscal Year 2016: ¥650,000 (Direct Cost: ¥500,000、Indirect Cost: ¥150,000)
Fiscal Year 2015: ¥1,170,000 (Direct Cost: ¥900,000、Indirect Cost: ¥270,000)
Fiscal Year 2014: ¥650,000 (Direct Cost: ¥500,000、Indirect Cost: ¥150,000)
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| Keywords | 中小企業 / 中小企業政策 / 金融支援 / 政策評価 / マレーシア / 雇用促進 / 生産性 / 金融 / 経済発展 |
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| Outline of Final Research Achievements |
This study detailed various features and effects of direct credit for small and medium-sized enterprises in Malaysia. First, direct credit from the government was provided for SMEs in which Bumiputera had been appointed to the board of directors. Second, the direct credit tended to be provided to SMEs with fixed assets; however, the business performance of those SMEs was relatively poor. Third, the direct credit system seemed to make only an insignificant contribution to SMEs in terms of employment and sales. Based on these findings, this study suggested that the government needs regular program evaluations to improve the direct credit system. In addition, setting specific exit criteria for the financial assistance is essential for the efficient use of government funds. Furthermore, the government should assist SMEs to upgrade their businesses so that they can meet the eligibility criteria of the credit guarantee system to apply for commercial loans.
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Report
(4 results)
Research Products
(10 results)
