Access to credit by SMEs in South Asia: do women entrepreneurs face discrimination

Wellalage, Nirosha Hewa; Locke, Stuart

doi:10.1016/j.ribaf.2017.04.053

Cited by 83 publications

(50 citation statements)

References 29 publications

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“…Consequently, a business will require enough financial resources that can contain the different experimentations to arrive at an offering that customers will be willing to purchase. This is a concern for women‐owned small businesses that are often financially constrained with limited access to external funding (Aristei and Gallo ; Klapper and Parker ; Wellalage and Locke ). However, it is also possible that close ties with customers can enable women‐owned businesses to use customer financing bootstrapping strategies to gain the initial financial capital needed to fund the adaptations (De Silva and Nishantha ).…”

Section: Literature and Hypothesis Developmentmentioning

confidence: 99%

“…The authors elucidated that financial capital (also referred to as Money) is essential for the success and growth of women‐owned businesses. However, a key challenge for women‐owned small businesses is that they are often financially constrained, and have very limited access to external sources of funding (Aristei and Gallo ; De Vita, Mari, and Poggesi ; Klapper and Parker ; Richardson, Howarth, and Finnegan ; Wellalage and Locke ). This lack of access to financial capital for women entrepreneurs is one of the key reasons why most of their businesses fail (Carter and Allen ).…”

Section: Literature and Hypothesis Developmentmentioning

confidence: 99%

See 1 more Smart Citation

Customer Orientation and Performance of Women‐Owned Businesses: A Configurational Approach

Neneh

2019

Journal of Small Business Management

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The present research aims to improve the current understanding of the relationship between customer orientation and performance of women-owned businesses. This study proposed that risk-taking and financial capital are vital moderating factors of this relationship. Additionally, the study postulates that new insights can be unearthed by combining these factors with customer orientation in a three-way interaction model. Using a sample of 264 women entrepreneurs, the results showed that (a) customer orientation is positively associated with the performance of women-owned businesses, (b) the association is significantly moderated by both risk-taking and financial capital, and (c) a more detailed understanding of the association is provided by the three-way interaction of customer orientation, risk-taking, and financial capital.

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Section: Literature and Hypothesis Developmentmentioning

confidence: 99%

Section: Literature and Hypothesis Developmentmentioning

confidence: 99%

Customer Orientation and Performance of Women‐Owned Businesses: A Configurational Approach

Neneh

2019

Journal of Small Business Management

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“…Researchers, policymakers, and economists have examined the factors that influence SME performance and growth and, thus, their contribution to the economy. They find that access to financial sources poses the main obstacle to SME growth, (Duygan-Bump, Levkov, & Montoriol-Garriga, 2015;International Monetary Fund, 2014;Shinozaki, 2012, Gozzi & Schmukler, 2015Wellalage & Locke, 2017); they also find that this obstacle comes from SMEs' lack of adequate collateral; the absence of special financial services directed towards SMEs; rules and regulations that pose difficulties to SMEs, such as providing a legal definition of a firm and registering a firm, (Beck & Demirg€ uç-Kunt, 2006). Further, SMEs lack skilled management, technology, and employees with training and experience, limitations that reflect on their continuity, innovation, and growth.…”

Section: Introductionmentioning

confidence: 99%

The causal relationship between SME sustainability and banks’ risk

Shihadeh

Gamage

Hannoon

2019

Economic Research-Ekonomska Istraživanja

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This study aims to examine the influence of banks' credit to SMEs on non-performing loans. Many studies find that access to financial sources has become an obstacle to the growth and sustainability of SMEs. This study uses theoretical and empirical approaches to support the study's hypothesis. Data are presented for 15 banks in Palestine, covering the period 2006 to 2016.The study uses empirical techniques regarding to examine the relationship between the variables. Evidence shows that encouraging banks to lend more money to SMEs through the use of a guarantee fund could decrease their risk. Thus, enhancing credit to SMEs could improve the growth and sustainability of these firms. The study recommending policymakers and bank's managers could develop their strategies according to SME's needing. Therefore, enhancing the growth in these firms and reducing the bank's risk. Furthermore, adopting the guarantee funds in developing countries could decrease the bank's risk, thus lending more to SME. The value of this paper comes from the importance of SME in the economic growth and development sustainability. Therefore, there is a need to convince banks to enhance SME credit through a guarantee fund and that extending this type of credit would positively influence banks' activities.

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“…An access to internet can in-crease the income of rural residents [23], and in contrast, the income level of rural residents can affect internet access. Therefore, we use instrumental variables (IVs), including "the location relationship between villages and towns" and "the per capita annual income of the village", to construct an IV-Probit model to solve such problems [51,52]. The two variables were used as instruments because they correlate with the per capita annual income of rural residents and because they do not affect the internet access of rural residents.…”

Section: Propensity Score Matchingmentioning

confidence: 99%

Internet Access and Nutritional Intake: Evidence from Rural China

Xue¹,

Han²,

Elahi³

et al. 2021

Preprint

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China has been experienced a nutrition transition and has developed the largest population of internet users. We evaluate the impacts of internet access on the nutritional intake of Chinese rural residents. An IV-Probit based propensity score matching method is used to determine the impact of internet access on nutritional intake. The data were collected from 10042 rural households existed in six provinces of China. The results reveal that the rural residents with internet access have significantly higher intakes of energy, protein, and fat than those without their counterparts. Chinese rural residents with Internet access significantly increase the intakes of energy, protein, and fat by 1.35 percent (28.62 kcal), 5.02 percent (2.61 g), and 4.33 percent (3.30 g), respectively. There is heterogeneity in the intakes of energy, protein, and fat among those in different income groups. Moreover, non-staple food consumption is the main channel through which internet access affects nutritional intake. The results stress to local population to use internet for the improvement of nutritional status.

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Access to credit by SMEs in South Asia: do women entrepreneurs face discrimination

Cited by 83 publications

References 29 publications

Customer Orientation and Performance of Women‐Owned Businesses: A Configurational Approach

Customer Orientation and Performance of Women‐Owned Businesses: A Configurational Approach

The causal relationship between SME sustainability and banks’ risk

Internet Access and Nutritional Intake: Evidence from Rural China

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