IDEAS home Printed from https://ideas.repec.org/a/eme/ijsepp/v36y2009i11p1050-1070.html
   My bibliography  Save this article

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

Author

Listed:
  • 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
    as

    Download full text from publisher

    File URL: https://www.emerald.com/insight/content/doi/10.1108/03068290910992615/full/html?utm_source=repec&utm_medium=feed&utm_campaign=repec
    Download Restriction: Access to full text is restricted to subscribers

    File URL: https://www.emerald.com/insight/content/doi/10.1108/03068290910992615/full/pdf?utm_source=repec&utm_medium=feed&utm_campaign=repec
    Download Restriction: Access to full text is restricted to subscribers

    File URL: https://libkey.io/10.1108/03068290910992615?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. 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.
    2. 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.
    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.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:eme:ijsepp:v:36:y:2009:i:11:p:1050-1070. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Emerald Support (email available below). General contact details of provider: .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.