IDEAS home Printed from https://ideas.repec.org/a/spr/jglont/v8y2018i1d10.1186_s40497-018-0119-1.html
   My bibliography  Save this article

Perception of women entrepreneurs to accessing bank credit

Author

Listed:
  • Touheda Yasmin Chowdhury

    (Sylhet International University)

  • Aysa Yeasmin

    (Sylhet International University)

  • Zobayer Ahmed

    (International Islamic University Chittagong)

Abstract

Women entrepreneurs play a substantial role in the sustainable economic development of various developed as well as developing countries in the world. In Bangladesh, the contribution of women entrepreneurs is still insignificant compared to other entrepreneurship due to a number of barriers to their financial inclusion. The current study tried to find out the problems faced with and the opinion of women entrepreneurs regarding the finance from commercial banks. The study used primary data from a sample survey, Key Informant Interview (KII) and in-depth interviews with the selected women entrepreneurs from Sylhet city of Bangladesh to meet the research objectives. Using Exploratory Factor Analysis (EFA), the study brings to life the fact that women entrepreneurs are reluctant to take the loan from banks because they have to face a number of problems there. Some of the major problems they faced are- collateral requirements, terms and conditions of bank loan, business characteristics and some other institution-specific problems to get access to bank finance. The findings of the study can aid the commercial banks in formulating their strategic decision about financing women entrepreneurs. In addition, this study indicates the way forward for the authoritative and supporting organizations of women entrepreneurs to formulate their action plans for the development of women entrepreneurship.

Suggested Citation

  • Touheda Yasmin Chowdhury & Aysa Yeasmin & Zobayer Ahmed, 2018. "Perception of women entrepreneurs to accessing bank credit," Journal of Global Entrepreneurship Research, Springer;UNESCO Chair in Entrepreneurship, vol. 8(1), pages 1-16, December.
  • Handle: RePEc:spr:jglont:v:8:y:2018:i:1:d:10.1186_s40497-018-0119-1
    DOI: 10.1186/s40497-018-0119-1
    as

    Download full text from publisher

    File URL: http://link.springer.com/10.1186/s40497-018-0119-1
    File Function: Abstract
    Download Restriction: no

    File URL: https://libkey.io/10.1186/s40497-018-0119-1?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
    ---><---

    References listed on IDEAS

    as
    1. repec:ilo:ilowps:346710 is not listed on IDEAS
    2. Fridah Muriungi Mwobobia, 2012. "Role of Business Management into the Success and Survival of Small Businesses: The Case of Star Learning Centre in Botswana," International Journal of Business Administration, International Journal of Business Administration, Sciedu Press, vol. 3(1), pages 93-112, January.
    3. Chu V. Nguyen & Anisul M. Islam & Muhammad Mahboob Ali, 2011. "The Current State of the Financial Sector of Bangladesh: An Analysis," AIUB Bus Econ Working Paper Series AIUB-BUS-ECON-2011-03, American International University-Bangladesh (AIUB), Office of Research and Publications (ORP), revised Nov 2011.
    4. Ghosh, Saibal & Vinod, D., 2017. "What Constrains Financial Inclusion for Women? Evidence from Indian Micro data," World Development, Elsevier, vol. 92(C), pages 60-81.
    5. Patricia G. Greene & Candida G. Brush & Myra M. Hart & Patrick Saparito, 2001. "Patterns of venture capital funding: Is gender a factor?," Venture Capital, Taylor & Francis Journals, vol. 3(1), pages 63-83, January.
    6. Christina Constantinidis & Annie Cornet & Simona Asandei, 2006. "Financing of women-owned ventures: The impact of gender and other owner -and firm-related variables," Venture Capital, Taylor & Francis Journals, vol. 8(2), pages 133-157, January.
    7. Karim, Nilufer A., 2001. "Jobs, gender and small enterprises in Bangladesh : factors affecting women entrepreneurs in small and cotage industries in Bangladesh," ILO Working Papers 993467103402676, International Labour Organization.
    Full references (including those not matched with items on IDEAS)

    Citations

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


    Cited by:

    1. Rose Fiamohe & Sènakpon Fidèle Ange Dedehouanou & Abdelkrim Araar, 2024. "What microfinance schemes for women-owned microenterprises’ productivity in rural Benin?," Small Business Economics, Springer, vol. 62(3), pages 1075-1097, March.
    2. François Fall & Thanh Tam Nguyen-Huu, 2022. "Strategic Behavior between a Bank and A Microfinance Institution: The Role of Psychological Distance and Education Level," Post-Print hal-04248194, HAL.
    3. Ibrahim Niankara, 2022. "Government and private sectors' electronic transfer practices and financial inclusion in the economic community of the West African States," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 27(4), pages 4018-4047, October.
    4. Kara, Alper & Zhou, Haoyong & Zhou, Yifan, 2021. "Achieving the United Nations' sustainable development goals through financial inclusion: A systematic literature review of access to finance across the globe," International Review of Financial Analysis, Elsevier, vol. 77(C).
    5. ZAHARIA Rodica Milena & HASSAN Hend, 2021. "Women Entrepreneurship in Egypt: Is It Just as Challenging for All Women?," European Journal of Interdisciplinary Studies, Bucharest Economic Academy, issue 01, March.
    6. Rozina Akther, 2022. "Factors associated with small and medium enterprise financing: a study from Bangladesh," Journal of Global Entrepreneurship Research, Springer;UNESCO Chair in Entrepreneurship, vol. 12(1), pages 265-277, December.
    7. Uma Shankar Yadav & Ravindra Tripathi & Mano Ashish Tripathi & Ashish Kumar & Mitu Mandal, 2023. "Evaluation of factors affecting entrepreneurship: a case of Indian women in the handicraft industry," Palgrave Communications, Palgrave Macmillan, vol. 10(1), pages 1-17, December.
    8. Abbasianchavari, Arezou & Block, Joern, 2022. "Perceptual factors explaining the gender gap in entrepreneurial propensity: A replication and extension," Journal of Business Venturing Insights, Elsevier, vol. 17(C).
    9. Ninik Sri Rahayu & Masduki & E. R. Nur Ellyanawati, 2023. "Women entrepreneurs’ struggles during the COVID-19 pandemic and their use of social media," Journal of Innovation and Entrepreneurship, Springer, vol. 12(1), pages 1-17, December.
    10. Lavlu Mozumdar & Geoffrey Hagelaar & Valentina C. Materia & S. W. F. Omta & Gerben Velde & Mohammad Amirul Islam, 2023. "Fuelling Entrepreneurial Orientation in Enhancing Business Performance: Women Entrepreneurs’ Contribution to Family Livelihood in a Constrained Context, Bangladesh," The European Journal of Development Research, Palgrave Macmillan;European Association of Development Research and Training Institutes (EADI), vol. 35(3), pages 623-655, June.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Brush, Candida G. & Greene, Patricia G. & Welter, Friederike, 2020. "The Diana project: a legacy for research on gender in entrepreneurship," Working Papers 02/20, Institut für Mittelstandsforschung (IfM) Bonn.
    2. Yang, Shu & Kher, Romi & Newbert, Scott L., 2020. "What signals matter for social startups? It depends: The influence of gender role congruity on social impact accelerator selection decisions," Journal of Business Venturing, Elsevier, vol. 35(2).
    3. Isabel Martínez-Rodríguez & Consolación Quintana-Rojo & Pedro Gento & Fernando-Evaristo Callejas-Albiñana, 2022. "Public policy recommendations for promoting female entrepreneurship in Europe," International Entrepreneurship and Management Journal, Springer, vol. 18(3), pages 1235-1262, September.
    4. Sharon Poczter & Melanie Shapsis, 2018. "Gender disparity in angel financing," Small Business Economics, Springer, vol. 51(1), pages 31-55, June.
    5. Gianni Romani & Miguel Atienza & Ernesto Amorós, 2011. "Financing needs of nascent entrepreneurs in Chile: does gender matter?," ERSA conference papers ersa10p1425, European Regional Science Association.
    6. Fatma El-Hamidi, 2011. "How Do Women Entrepreneurs Perform? Empirical Evidence from Egypt," Working Papers 621, Economic Research Forum, revised 09 Jan 2011.
    7. repec:ilo:ilowps:376808 is not listed on IDEAS
    8. Xaver Neumeyer & Susana C. Santos & Michael H. Morris, 2019. "Who is left out: exploring social boundaries in entrepreneurial ecosystems," The Journal of Technology Transfer, Springer, vol. 44(2), pages 462-484, April.
    9. Caroline PERRIN & Laurent WEILL, 2021. "No Men, No Cry? How Gender Equality in Access to Credit Enhances Financial Stability," Working Papers of LaRGE Research Center 2021-02, Laboratoire de Recherche en Gestion et Economie (LaRGE), Université de Strasbourg.
    10. Chandralekha Ghosh & Rimita Hom Chaudhury, 2019. "Gender Gap in case of Financial Inclusion: An Empirical Analysis in Indian Context," Economics Bulletin, AccessEcon, vol. 39(4), pages 2615-2630.
    11. Mohamed, Toka S. & Elgammal, Mohammed M., 2023. "Credit risk in Islamic microfinance institutions: The role of women, groups, and rural borrowers," Emerging Markets Review, Elsevier, vol. 54(C).
    12. Blount, Ian & Triana, Maria del Carmen & Richard, Orlando & Li, Mingxiang, 2023. "How women CEOs’ financial knowledge and firm homophily affect venture performance," Journal of Business Research, Elsevier, vol. 155(PA).
    13. Israt Eshita Haque & Md . Sabbir Hossain, 2021. "Women's Contribution to Sustainable Development on Patipata (Schumannianthus dichotoma) Based Cottage Industries in Sylhet Region, Bangladesh," Technium Social Sciences Journal, Technium Science, vol. 20(1), pages 888-899, June.
    14. Grohmann, Antonia & Klühs, Theres & Menkhoff, Lukas, 2018. "Does financial literacy improve financial inclusion? Cross country evidence," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, vol. 111, pages 84-96.
    15. Fridah Muriungi Mwobobia, 2013. "The Role of Banks in Empowering Women Entrepreneurs in Small and Micro Enterprises (SMEs) in Kenya: A Case of Cooperative Bank of Kenya," International Journal of Business Administration, International Journal of Business Administration, Sciedu Press, vol. 4(3), pages 73-85, May.
    16. Singh, Vinay Kumar & Ghosh, Sajal, 2021. "Financial inclusion and economic growth in India amid demonetization: A case study based on panel cointegration and causality," Economic Analysis and Policy, Elsevier, vol. 71(C), pages 674-693.
    17. Ozili, Peterson Kitakogelu, 2021. "Financial inclusion and legal system quality: are they correlated?," MPRA Paper 110518, University Library of Munich, Germany.
    18. Kara, Alper & Zhou, Haoyong & Zhou, Yifan, 2021. "Achieving the United Nations' sustainable development goals through financial inclusion: A systematic literature review of access to finance across the globe," International Review of Financial Analysis, Elsevier, vol. 77(C).
    19. John R. Becker–Blease & Jeffrey E. Sohl, 2011. "The Effect of Gender Diversity on Angel Group Investment," Entrepreneurship Theory and Practice, , vol. 35(4), pages 709-733, July.
    20. Richard B. Carter & Howard Van Auken, 2007. "Capital Acquisition Attitudes: Gender and Experience," Journal of Entrepreneurial Finance, Pepperdine University, Graziadio School of Business and Management, vol. 12(2), pages 55-74, Fall.
    21. Reboul, E. & Guérin, I. & Nordman, C.J., 2021. "The gender of debt and credit: Insights from rural Tamil Nadu," World Development, Elsevier, vol. 142(C).

    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:spr:jglont:v:8:y:2018:i:1:d:10.1186_s40497-018-0119-1. 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.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with 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: Sonal Shukla or Springer Nature Abstracting and Indexing (email available below). General contact details of provider: http://www.springer.com .

    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.