Oil Palm Smallholders’ Behaviour towards Applying for Financial Aid From Commercial Banks: A Case Study of Baram Tengah, Sarawak

Malaysia is the second largest leading of oil palm producer in the world behind Indonesia.Oil palm production in Malaysia comes from smallholder with 40% and the remining 60% are from big companies and government supported.While 40% of oil palm production comes from smallholders, it still brings big impact on the Malaysian economic.The issue is smallholders confronts a critical challenge in optimizing its potential due to lack of financial support to improve their oil palm production.Majority oil palm smallholders started from personal saving and family help.Smallholders may not be aware of the existent of certain financial loans offered by commercial banks which can help them in optimize their oil palm or they may have overlooked the opportunity.Hence, study was conducted among smallholders in Baram Tengah Sarawak by implementing Theory of Planned Behaviour in form of questionnaire to determines the relationship between smallholder's Attitude, Subjective