Does microfinance impede sustainable entrepreneurial initiatives among women borrowers? Evidence from rural Bangladesh

Dutta, Avijit; Banerjee, Sharmistha

doi:10.1016/j.jrurstud.2018.03.007

Cited by 49 publications

(36 citation statements)

References 39 publications

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“…Given these characteristics, there seems to be a consensus that microcredit is an important contemporary mechanism for reducing poverty and social inequalities, which has led several developing countries to stimulate this modality of credit, even as a development policy (Arbolino et al, 2018;Bezboruah & Pillai, 2017;Bidisha, Khan, Imran, Khondker, & Suhrawardy, 2017;Dutta & Banerjee, 2018;Li, Gan, & Yu, 2011;Thanh & Duong, 2017;Ugwuja & Nweze, 2018).…”

Section: Microcredit: General Discussionmentioning

confidence: 99%

“…It was perceived that as the income for women increases, the effect on the l(ContractedAmount) dependent variable decreases. This factor can be explained by the focus of microcredit programs on low-income people to combat poverty, as posed by several authors, such as: Bezboruah and Pillai (2017), Thanh and Duong (2017), Bidisha, Khan, Imran, Khondker and Suhrawardy (2017), Arbolino, Carlucci, Cirà, Yigitcanlar and Ioppolo (2018), Dutta and Banerjee (2018) and Ugwuja and Nweze (2018).…”

Section: Discussionmentioning

confidence: 99%

“…Thus, in the vast majority of cases, microcredit programs have given special attention to female clients, giving them greater control over resources, ownership and business operations, as well as skills to contribute to income for their families, which helps them to become stronger and more respected (AlShami et al, 2017;Chliova et al, 2015;Dutta & Banerjee, 2018;Garikipati, Johnson, Guérin, & Szafarz, 2017).…”

Section: The Role Of Women In Microcreditmentioning

confidence: 99%

“…By means of a distinguished approach to granting credit, microcredit programs stand out as a socioeconomic alternative of social insertion and the fight against poverty (Arbolino, Carlucci, Cirà, Yigitcanlar, & Ioppolo, 2018;Bezboruah & Pillai, 2017;Dutta & Banerjee, 2018), placing the credit granted as a propellant for formal and informal microenterprises (Alves & Camargos, 2014). In general, microcredit provides financing to low income families to let them acquire essential assets and deal with certain unexpected expenses (Akotey & Adjasi, 2016).…”

Section: Introductionmentioning

confidence: 99%

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Microcredit and Gender: Are There Differences in the Credit Conditions?

Salgado

Aires

2018

BAR, Braz. Adm. Rev.

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By means of a distinguished approach of credit granting, microcredit programs stand out as a socioeconomic alternative for social insertion and fighting against poverty. In this context, a factor that has gained prominence in literature is the female participation in these programs. Therefore, knowing that the literature indicates that there is a lower level of default among women, and considering that gender influence over the financing value has been disproportionate, the aim of this research was to evaluate the relationship between gender and the amounts which were granted in microcredit operations. In order to achieve this, a multiple linear regression technique was used on a sample of 4,454 microcredit clients of a bank with branches located in Paraíba, Brazil. Primary data collection was carried out together with the branch managers by consulting their system. Data were randomly chosen, and refer to the period from January to December 2016. Results show that women obtain a higher credit value than men, which is the opposite of what was found in literature.

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Section: Microcredit: General Discussionmentioning

confidence: 99%

Section: Discussionmentioning

confidence: 99%

Section: The Role Of Women In Microcreditmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

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Microcredit and Gender: Are There Differences in the Credit Conditions?

Salgado

Aires

2018

BAR, Braz. Adm. Rev.

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“…According to Dutta and Banerjee (2018), microfinance sector has contributed towards minimizing credit constraints by enabling poor households to access credit. For instance, poor households can be able to obtain credit through formation of groups.…”

Section: Introductionmentioning

confidence: 99%

Econometric Modelling of Rural Farm Household Credit Allocation in Kakamega County, Kenya

2020

JESD

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Enhanced household access to credit is essential in boosting the performance of small and medium enterprises in developing nations. Despite the role played by micro-finance in enhancing access to credit among poor rural households, there is dearth information on factors determining credit allocation. This study sought to fill the gap by investigating determinants of household allocation of credit accessed to different enterprises. Stratified multiple sampling approaches were used to select 179 smallholder farmers in Kakamega County. The study used semistructured questionnaires to collect data which was then analysed using Seemingly Unrelated Regression Model (SUR). The results revealed that; gender of household head, land ownership and role played by an individual in socio-economic group were positive and significant determinants of credit allocation on farm enterprises. Moreover, access to training and ownership of off-farm enterprises were negative and significant. Concerning allocation of credit obtained on off-farm non-agriculture enterprises, off-farm income was positive and significant while membership and role played in group was negative and significant. On the other hand, age of household head, ownership of off-farm enterprise and off-farm income were positive and significant determinants of household allocation of credit on off-farm agriculture related enterprises. However, access to training and land ownership were negative and significant. The study recommends the adoption of policy measures aimed at encouraging farmers to diversify their income through engaging in sustainable off-farm activities. It also points out the need to empower women in order to enable them to own productive assets.

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The entrepreneurial ecosystem of inclusive finance and entrepreneurship: A theoretical and empirical test in China

Cao

Zhang

2020

Int. J Fin Econ

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From a regional entrepreneurial ecosystem perspective, we theoretically interpret and empirically testify the mutual promotions between inclusive finance, entrepreneurship, and development. To do so, a two-period overlapping generation model is introduced to interpret the mechanism, and then a panel vector auto-regression model based on 31 provinces (and municipalities) in China from 2005 to 2016 is constructed. We find that: (a) Due to the development-promoting ability, self-reinforcing ability and multiplying effect, it is possible and worthy to construct a sustainable developing system. (b) However, an insufficient human capital endowment might be a critical obstacle, which is revealed as a precondition of this sustainable system. (c) Moreover, it is necessary to promote sustainable development of financial inclusion and entrepreneurship, due to the lack of directly promoting effect from economic development. (d) Thus, governmental complement is indispensable because of polarization led by the endowed wealth gap, and continuous promotion is appealed due to the transforming lag of mutual promoting feedback.

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Does microfinance impede sustainable entrepreneurial initiatives among women borrowers? Evidence from rural Bangladesh

Cited by 49 publications

References 39 publications

Microcredit and Gender: Are There Differences in the Credit Conditions?

Microcredit and Gender: Are There Differences in the Credit Conditions?

Econometric Modelling of Rural Farm Household Credit Allocation in Kakamega County, Kenya

The entrepreneurial ecosystem of inclusive finance and entrepreneurship: A theoretical and empirical test in China

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