Acknowledgement
A completed study would not be done without any assistance. Therefore, the author who
conducted this research gratefully gives acknowledgement to their support and motivation during
the time of doing this research as a requirement of completing my Degree of Business
Management.
First of all, I would like to express my endless thanks and gratefulness to my supervisor Dr.
Abdullah – Al – Mamun. His kindly support and continuous advices went through the process of
completion of my thesis. His encouragement and comments had significantly enriched and
improved my work. Without his motivation and instructions, the thesis would have been
impossible to be done effectively.
As a part of project: Fighting Against Poverty, my thesis has been done by contribution of all
relevant students. So far, I would like to thanks to groups who took charge in the process of data
collection and data entry for doing this research as a part of the project. I also acknowledge my
thankfulness to all respondents and managements’ branches of AIM program where data would
be collected for their valuable time, kind assistances and support in participating in the surveys. I
would like to state my thanks to Binary University College where supported financial for the
project and provided me scholarship to pursuing and completing my degree.
My special thanks approve to my parents for their endless love, care and have most assistances
and motivation me for the whole of my life. I also would like to explain my thanks to my
siblings, brothers and sisters for their support and care me all the time.
As last, my deeply thanks come to all my friends during time I study in Malaysia. Their kindly
help, care, motivation gave me strength and lift me up all the trouble for the rest of my life.
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Abstracts

Many studies including those by World Bank provided evidence of the positive impact of
microcredit. In most cases, the studies have focused on the direct effects of microcredit on
household income and expenditure. In this study, the author would like to exam the effect of
microcredit on Quality of Life, Vulnerability and Unsatisfied Basic Needs in Urban Malaysia as

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Contents
Chapter 1: INTRODUCTION
Introduction
Background of the study
Problem Statement
Research Questions
Research Objectives
Significance of the study
Organization of the study
Chapter 2: LITERATURE REVIEW
Introduction
Poverty and Microcredit

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Contents
Percent of people in the world at different poverty levels in
2005
Malaysia’s GDP (purchasing power parity) in 2007-2009
HOUSEHOLD ECONOMIC PORTFOLIO MODEL
(Chen and Dunn, 1996)

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