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Socio‐economic constraints to demand for borrowing among rural females of Pakistan

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  • Ambreen Fatima

Abstract

Purpose - The purpose of this paper is to investigate how many rural women have access to finance. It also explores the additional constraint faced by them in accessing the credit. Design/methodology/approach - For the estimation purpose, multivariate logit regression is used, taking borrowing any credit as dependent variable. Findings - Results indicate that women lack easier access to formal credit and the socio‐economic, cultural background of the family significantly impact probability of borrowing. More specifically, result indicates that female own age, marital status and employment bring self‐confidence and reliability that encourage female borrowing. Research limitations/implications - In the absence of any recent nation‐wide data about micro‐credit, cross‐section survey, theRural Financial Market Surveyis used to examine the factors affecting the demand for borrowing. Practical implications - This paper proposes that government should implement education programmes in order to create awareness towards role of women in economic development. Moreover, to overcome the cultural constraints, information should also be disseminated through influential media. Originality/value - While it is widely recognized that, demand for credit is severely affected by socio‐economic, cultural and personal characteristics, this has rarely been confirmed earlier. There are numbers of studies documented on borrowing all focus on the issue of formal and informal sources ignoring the above determinants. This paper attempts to do so.

Suggested Citation

  • Ambreen Fatima, 2009. "Socio‐economic constraints to demand for borrowing among rural females of Pakistan," International Journal of Social Economics, Emerald Group Publishing Limited, vol. 36(11), pages 1050-1070, September.
  • Handle: RePEc:eme:ijsepp:v:36:y:2009:i:11:p:1050-1070
    DOI: 10.1108/03068290910992615
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    Citations

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    Cited by:

    1. Hamdino Hamdan & Pazim @ Fadzim Othman & Wan Sabri Wan Hussin, 2012. "The Importance Of Monitoring And Entrepreneurship Concept As Future Direction Of Microfinance In Malaysia: Case Study In The State Of Selangor," Journal of Global Entrepreneurship, Global Research Agency, vol. 3(1), pages 1-25, July.
    2. James Atta Peprah, 2012. "Access to micro-credit well-being among women entrepreneurs in the Mfantsiman Municipality of Ghana," International Journal of Finance & Banking Studies, Center for the Strategic Studies in Business and Finance, vol. 1(1), pages 01-14, January.
    3. Edgar E. Twine & Elizaphan J. O. Rao & Isabelle Baltenweck & Amos O. Omore, 2019. "Are Technology Adoption and Collective Action Important in Accessing Credit? Evidence from Milk Producers in Tanzania," The European Journal of Development Research, Palgrave Macmillan;European Association of Development Research and Training Institutes (EADI), vol. 31(3), pages 388-412, July.
    4. Douglas M. Rosana & Willy Muturi, 2014. "Factors Influencing Choice of Source of Business Finance By Small and Medium Enterprises: A Survey of Thika Municipality," International Journal of Financial Economics, Research Academy of Social Sciences, vol. 2(4), pages 191-207.
    5. Miller, Paige & Brux, Jacqueline Murray & Neema, Clementia Murembe, 2016. "Microcredit in Uganda: Fundamental Reform or Just another Neoliberal Policy?," African Journal of Economic Review, African Journal of Economic Review, vol. 4(2), July.

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