The findings indicate that AIM women micro-entrepreneurs within the B40 subgroups had significantly increased their income, hence, moving them up to the higher income group. Meanwhile, ordinal logistic regression was applied to estimate the factors that contribute to the higher income group among the AIM women micro-entrepreneurs. The Wilcoxon signed-rank test was used to analyse the significant differences in the income changes. The data was collected from 380 women micro-entrepreneurs who received AIM microcredit. The study was conducted in the North of Peninsular Malaysia involving the states of Perlis, Kedah and Pulau Pinang. This study aims to investigate income group changes within the B40 and factors contributing to a higher income group, after utilizing microcredit from Amanah Ikhtiar Malaysia (AIM).
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