KESAN PENYEDERHANA SIKAP USAHAWAN TERHADAP HUBUNGAN ANTARA PEMBIAYAAN MIKRO DAN PRESTASI PERUSAHAAN MIKRO BUMIPUTERA (The Moderating Effect of Entrepreneurial Attitudes on the Relationship Between Microfinance and Bumiputera Micro-Enterprise Performance)

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Pembiayaan kewangan dan sikap usahawan dilihat memainkan peranan penting dalam membantu pertumbuhan perusahaan bersaiz mikro, kecil dan sederhana (PKS). Kajian ini dijalankan bagi melihat sejauh manakah perkara ini memberi kesan secara langsung dan tidak langsung ke atas prestasi PKS. Tumpuan kajian diberikan kepada perusahaan bersaiz mikro Bumiputera di Pulau Pinang. Sejumlah 350 orang usahawan mikro Bumiputera di Pulau Pinang yang menerima pembiayaan kewangan mikro daripada pelbagai agensi dan institusi kewangan telah dipilih sebagai sampel kajian melalui kaedah pensampelan bola salji. Kaedah regresi berbilang digunakan bagi menerangkan pengaruh faktor pembiayaan dan sikap usahawan ke atas prestasi usahawan mikro Bumiputera di Pulau Pinang. Dapatan kajian mendapati pembiayaan mikro dan sikap usahawan memberikan pengaruh secara langsung yang signifikan positif ke atas prestasi perusahaan mikro Bumiputera. Hasil kajian dapat memberikan sumbangan kepada institusi kewangan dalam menilai keberkesanan kemudahan pembiayaan mikro di samping memberikan manfaat kepada usahawan mikro dalam membantu mengenal pasti faktor sikap yang dapat menyumbang kepada peningkatan prestasi perusahaan. ABSTRACT It is believed that microfinance and entrepreneurial attitudes contribute significantly to the expansion of micro, small, and medium-sized businesses (SMEs). This study was conducted to determine the direct and indirect effects of these factors on the performance of Bumiputera micro-enterprises in Penang. A total of 350 micro Bumiputera firms in Penang which received microfinance from various agencies and financial institutions were chosen as the sample through the snowball sampling approach. The influence of microfinance and entrepreneur attitude on the performance of Bumiputera micro companies in Penang is explained using multiple regression analysis. The regression study predicted that microfinance and entrepreneurial attitude have a direct and significant favourable effect on the performance of Bumiputera micro companies. The findings of this study can be used by financial institutions to evaluate the efficacy of microfinance facilities and by microbusinesses to identify attitude that contribute to enhancing enterprise success. Keywords: Bumiputera, micro-enterprises, microcredit, entrepreneur attitudes, Penang.