Factors affecting micro credit performance among Amanah Ikhtiar Malaysia (Aim) women in Pasir Mas, Kelantan / Mohd Sazali Mohd Zain

Microcredit is the extension of very small loans (microloans) to those in poverty designed to spur entrepreneurship. These individuals lack collateral, steady employment and a verifiable credit history and therefore cannot meet even the most minimal qualifications
to gain access to traditional credit. Microcredit is a part of microfinance, which is the provision of a wider range of financial, services to the very poor. The problem of this
research is to find there is any problem regarding micro credit performance among AIM
women in Pasir Mas. One of the objectives is to determine major factors affecting micro credit performance among women. The factors affecting micro credit performance
among AIM women such as customer knowledge, customer managerial and customer attitude will use as independent variables. This study was tested with a survey sample which is 80 customers of Amanah Ikhtiar Malaysia (AIM). The data is analyzed using Frequency distributions, reliability analysis, descriptive statistics, regression analysis,
cross tabulation, and model of Statistical Package for Social Science (SPSS). The finding comes out with the all of variables selected are significant from the test of linear
regression and Pearson Correlation. With that, it can be concluded that customer knowledge, customer managerial and customer attitude (independent variable) affecting
micro credit performance among women.