Microcredit Repayment in Malaysia

1 January 2017

To investigate whether gender of borrower influence microcredit repayment. Hypothesis 1 Ho: Gender of borrower does not influenced microcredit repayment. H1: Gender of borrower does influence microcredit repayment. 2. To investigate whether types of business activities influence microcredit repayment. Hypothesis 2 Ho: Types of business activities does not influenced microcredit repayment. H1: Types of business activities does influence microcredit repayment. 3. To investigate whether amount of loan influence microcredit repayment.

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Hypothesis 3 Ho: Amount of loan does not influenced microcredit repayment. H1: Amount of loan does influence microcredit repayment. 4. To investigate whether repayment period influence microcredit repayment. Hypothesis 4 Ho: Repayment period does not influenced microcredit repayment. H1: Repayment period does influenced microcredit repayment. This chapter is discussing about the research design, data collection method, research instrument, questionnaire design and sampling frame to meet the objectives of the study.

In this study, descriptive research will be conduct to obtain the information needed. It will involve acquiring primary data, preparing questionnaires and sampling method as well as deciding on how the variables will be measure and being analyse. This study will be conducted among the teachers at Sekolah Menengah Kebangsaan Tengku Ampuan Jemaah, Port Klang, Selangor. 3. 0Data Collection Method There are two ways in gathering data for the study.

First is the primary data which is specially collected by the researcher and second is the secondary data or any information gathered from resources collected and published by others. . 0. 1Primary Data Primary data refer to information obtained first-hand by the researcher on the variables of interest for the specific purpose of the study (Sekaran, 2010). Obtaining primary data can be expensive and time consuming as it requires researchers to observe and conduct an experiment on something to gather information about specific problems. It will take time in collecting data. (a)Questionnaire A set of questionnaire has been designed to obtain a quantitative primary data for this research.

The purpose is to gauge the relevant information to achieve the research objectives besides to determining and evaluate the level of microcredit repayment among employees. The primary data will be collected from questionnaire that will distribute to the teachers at Sekolah Menengah Kebangsaan Tengku Ampuan Jemaah, Port Klang,Selangor. (b)Journal Researcher will also use journal as the primary data for data collection method in order to elicit the information regarding for the research. 3. 0. 2Secondary Data

Secondary data that will be collected can be use and these data can be located quickly and cheaper in terms of cost. Secondary data could be collected through internal and external sources. Internal data are those generated within the organization while external sources of data in other hands are generated by sources outside the organization. For the purpose of this study, the researcher will obtain the external sources from books, library references, articles, website and others. These are some of useful information that will serves as the groundwork for theoretical framework and literature review. .

Research Instrument Regarding Malhotra (2004), defined that questionnaire is a structured techniques for data collection consisting of a series of questions, written or verbal that respondent answers. In addition, it is called a schedule, written form, measuring instrument, or formalized set of questionnaires for obtaining information from respondents. The standardized questionnaire will ensure comparability of the data, increase speed and accuracy of recording, and facilitating data processing. It needs to capture primary data is questionnaire.

Questionnaire is a formalized instrument for asking information, directly from the respondent. It is designed to facilitate data gathering, which is directly related to the study. Questionnaires will be distributed directly to the respondents for them to answer. The questionnaires for this research consist of two sections. The first section will consist of questions related to profile of the respondents and the second section will consist of question regarding of loans. The format used for the questionnaire will be structured in rating scale which is liker scale and multiple choices.

The liker scale is (1) = strong disagree, (2) = disagree, (3) = average, (4) = agree and (5) = strongly agree are used. The questionnaires will be distributed randomly to the teachers at Sekolah Menengah Kebangsaan Tengku Ampuan Jemaah, Jalan Pandamaran, Port Klang, Selangor. 5. 0Questionnaire Design In this research, in order to get information from respondents, the researcher will choose the structured questions. 5. 0. 1Structured Questions Structured question specify the set of response alternative and the response format that could be multiple choices and scale.

The structured question was the most frequently used in the marketing research. i)Multiple Choices The researcher provides choices of answers and respondents will be asked to select one or more of the alternatives given that mostly closely match their own response. For this study, the researcher will use this kind of question for respondent profile at section A. ii)Scale For this study, the Liker Scale questionnaire will be use widely where requires the respondents indicate strongly disagree or strongly agree with each of series of statement about the Microcredit Repayment.

What is the level of microcredit repayment among employees? 2. Does gender of borrower will influence microcredit repayment? 3. Does a type of business activities will influence microcredit repayment? 4. Does amount of loan will influence microcredit repayment? 5. Does repayment period will influence microcredit repayment? 7. 0Sampling 7. 0. 1Sampling Design Based on Malhotra (2004), a sample is a subgroup of the population selected for participant in the study.

Population is aggregate of all the elements that share some common set of characteristics and that comprise the universe for the purpose of the marketing research problem. According to the Zikmund (2003), the simple size can be 30 units and more, whereas Sekaran (2003) has mentioned between 30 units to 500 units, so only 100 respondents were selected and accepted for this study. The sampling design process includes five steps that are sequentially in the figure 2. 0 below. Figure 2. 0: The sampling design process 1)Defining target Population

The first step of the sampling design will be specifying the target population. The target population means the collection of elements or subjects that possess the information sought by researcher and about which inference are to be made (Malhotra, 2004). According to Sekaran, (2003), population refers to the entire group of people, events, or things of interest that the researcher wishes to investigate. For the purpose of this study, the population will consist of employees at Sekolah Menegah Kebangsaan Tengku Ampuan Jemaah, Jalan Pandamaran, Pelabuhan Klang, Selangor 2)Determining sampling Frame

A sampling frame is a representation of the elements of the target population that consist of a list or set of direction for identifying the target population. However, as for the sampling frame, this study has narrow down the elements of the target population to those employees within a few divisions or units at Sekolah Menegah Kebangsaan Tengku Ampuan Jemaah, Jalan Pandamaran, Pelabuhan Klang, Selangor. The rationale is because the researcher will be only target to collect 50 respondents for this study. 3)Determine the Sample Size

Sample size refers to the number of elements to be included in the study. Regarding to this study, the sampling size were decided around 50 respondents only due to the time and money constraints. The targeted respondents will comprise the employees of divisions and units at Jabatan Pendidikan Negeri Selangor. 4)Execute the Sampling Process In execute the sampling process, once the target population, sampling frame, sampling technique and sampling size has been determined, allocation of the sample will be quite easy to execute.

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