Kesejahteraan hidup peserta skim kredit mikro Amanah Ikhtiar Malaysia: kajian kes di daerah Telupid, Sabah

This article aims to identify the well-being of Amanah Ikhtiar Malaysia (AIM) scheme participants in Telupid District, Sabah. The welfare of AIM scheme participants in this study was examined based on three indicators, namely the management of social issues, the fulfillment of social needs and the provision of social opportunities. A total of 277 participants AIM micro-credit scheme in the area have been interviewed using a questionnaire survey. The information collected is then analyzed using SPSS 16.0. Overall, the analysis of the information showed that the management of social problems and fulfillment of social needs of AIM microcredit schemes participants are at a satisfactory level. However, the findings showed that there are still many the scheme participants who did not receive any social opportunities provided through the implementation of the AIM program. This is because the provision of social opportunities through this scheme involve only certain areas. These findings showed that the provision of social opportunities under AIM micro credit scheme should not be focused only on the certain village, but such opportunities should cover all the villages in the district