Financing without collateral to small and medium enterprises in Klang Valley: a study of the firm characteristic / Ikmal Khairulluzin Jamil, Roza Hazli Zakaria and Azmah Othman

Jamil, Ikmal Khairulluzin and Zakaria, Roza Hazli and Othman, Azmah (2020) Financing without collateral to small and medium enterprises in Klang Valley: a study of the firm characteristic / Ikmal Khairulluzin Jamil, Roza Hazli Zakaria and Azmah Othman. Academic Journal of Business and Social Sciences (AJoBSS), 4 (1). pp. 1-12. ISSN 2590-440X

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Abstract

This paper attempts to understand the characteristic of small and medium enterprise (SME) firms in Klang Valley that received financing without collateral from the commercial lenders. SME located in Federal Territory of Kuala Lumpur (FT) and Selangor were selected as the population of the study. The legal status of the business entity, business sector the firm involved, using external advisor in conducting business, preparing a business plan, age of the firm and number of the employee owned by the firms, will be analysed and tabulated accordingly. The study combined two sampling methodologies, i.e. convenience and purposive to collect the data and at its level best, covering all 10 districts available in Selangor and FT. Accompanied by the close-ended questionnaire, an interview with 109 owner-manager (OM) was conducted for eighteen months. The data then analyzed using descriptive analysis before a conclusion was made.

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Item Type: Article
Creators:
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Jamil, Ikmal Khairulluzin
UNSPECIFIED
Zakaria, Roza Hazli
UNSPECIFIED
Othman, Azmah
UNSPECIFIED
Subjects: H Social Sciences > HD Industries. Land use. Labor > Small business. Medium-sized business
H Social Sciences > HG Finance > Credit. Debt. Loans > Commercial credit. Commercial loans. Credit management
H Social Sciences > HG Finance > Financial management. Business finance. Corporation finance
Divisions: Universiti Teknologi MARA, Melaka > Alor Gajah Campus
Journal or Publication Title: Academic Journal of Business and Social Sciences (AJoBSS)
UiTM Journal Collections: UiTM Journal > Academic Journal of Business and Social Sciences (AJoBSS)
ISSN: 2590-440X
Volume: 4
Number: 1
Page Range: pp. 1-12
Official URL: http://myjms.mohe.gov.my/index.php/AJoBSS/index
Item ID: 42530
Uncontrolled Keywords: Financing without collateral; SME; Small business; Collateral; Financing
URI: https://ir.uitm.edu.my/id/eprint/42530

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42530

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