The 2nd International Conference On Cross-Disciplinary Academic Research 2023 , ICAR'2023 - 2023 : Microenterprises’ Ability to Repay Debt. Do Saving Literacy and Knowledge Transfer Matter?

Dr. Siti Zuraidah, Zainal and Prof. Madya Dr. Muhamad Nizam, Jali and Prof. Madya Dr. Ahmad Fauzi, Ahmad Zaini and Dr Nan Zakiah, Megat Ibrahim (2023) The 2nd International Conference On Cross-Disciplinary Academic Research 2023 , ICAR'2023 - 2023 : Microenterprises’ Ability to Repay Debt. Do Saving Literacy and Knowledge Transfer Matter? The 2nd International Conference On Cross-Disciplinary Academic Research 2023 , ICAR'2023, 2 (2). p. 112. ISSN 40181-700982

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Abstract

The transfer of knowledge is critical for a company to expand and transform. In terms of a country's socioeconomic development, micro-enterprises are crucial for creating employment opportunities and reducing poverty. However, micro-enterprises’ ability to repay their debts is influenced by various factors, with saving literacy and knowledge transfer being essential components in enhancing their repayment capacity. To address the knowledge transfer gap, this study examined the factors affecting the ability of Malaysian micro-enterprises to repay their debts, including financial management, with data collected from 127 micro-enterprises in Klang Valley. The study utilized the PLS-SEM technique to analyze the data and test hypotheses to achieve research objectives, with the results showing that saving literacy and the role of knowledge transfer as a mediator positively impact micro-enterprises’ ability to repay their debts. This article also provides recommendations for the growth of Malaysia's micro-enterprise sector and suggests the need for additional research in this area.

Item Type:	Article
Uncontrolled Keywords:	Saving literacy, knowledge transfer, ability to repay debt, PLS-SEM
Divisions:	Institute of Graduate Studies (IGS)
Depositing User:	LIBRARY2 UPTM
Date Deposited:	21 Jul 2025 08:15
Last Modified:	21 Jul 2025 08:15
URI:	http://eprints.kuptm.edu.my/id/eprint/4926

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