Impact of Credit Accessibility on the Earnings of Self-employed Businesses in India

Bairagya, Indrajit; Bhattacharya, Tulika; Bhattacharjee, Manojit

doi:10.1016/j.asieco.2020.101202

Cited by 9 publications

(6 citation statements)

References 15 publications

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“…Initiatives such as empowering women in business leadership, strengthening credit agencies, membership of farmers' unions, and agricultural extension services can increase both access to and demand for credit [28,30]. Similarly, increasing the informal sector's credit base by providing credit to specific segments of the informal credit market, as practiced in India, creating novel rural financial institutions, and establishing separate channels for lending to the most disadvantaged are proposed [31,36,35].…”

Section: Cluster 1: Access To and Constraints On Microcredit For Smesmentioning

confidence: 99%

Frontiers in microfinance research for small and medium enterprises (SMEs) and microfinance institutions (MFIs): a bibliometric analysis

Lwesya

Mwakalobo

2023

Futur Bus J

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This article aims to present current research trends in microfinance for small and medium enterprises (SMEs) and microfinance institutions (MFIs), as microfinance plays an increasingly role in entrepreneurship development and poverty alleviation. The study uses a bibliometric analysis, in this work, we performed citation, bibliographic coupling, and keyword evolution analyses. The results show that research in microfinance for SMEs and microfinance institutions continue to grow. The authors found that recent research in microfinance for SMEs and microfinance institutions has evolved around eight thematic clusters, covering (1) access to and constraints on microcredit for SMEs (2) microfinance and economic empowerment, (3) sustainability of MFIs, (4) creditworthiness, microfinance technology infrastructure and financing patterns, (5) Islamic financial inclusion, (6) credit assessment models for microcredit, (7) microfinance and innovative business models, and (8) gender and equity crowdfunding. Research gaps in each of the thematic clusters are identified. Topics related to COVID-19, Islamic social finance, microfinance institutions, credit scoring models, crowdfunding, and entrepreneurial finance are likely to feature in the domain of microfinance and sustainability of MFIs in future.

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Section: Cluster 1: Access To and Constraints On Microcredit For Smesmentioning

confidence: 99%

Frontiers in microfinance research for small and medium enterprises (SMEs) and microfinance institutions (MFIs): a bibliometric analysis

Lwesya

Mwakalobo

2023

Futur Bus J

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“…First, to our knowledge, this is the first study in Benin that focuses on rural youth by investigating jointly the driving factors of gender-gap access to finance and their effects on rural entrepreneurship. Most of the previous studies focused separately on either access to finance and entrepreneurship (Bairagya et al, 2020;Mehari et al, 2021) or the genderbased determinants of access to finance (Aristei & Gallo, 2016;Chen et al, 2020;Ghosh & Vinod, 2017) and an entrepreneurship (Özsungur, 2019;Rijkers & Costa, 2012). Very few of them have investigated the gender-based effect of access to finance on entrepreneurship (Kairiza et al, 2017;Tran et al, 2019).…”

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confidence: 99%

“…Second, to our knowledge, very few studies have assessed the entrepreneurship effect of access to finance using rigorous econometric methods (e.g. Bairagya et al, 2020;Mehari et al, 2021;Kairiza et al, 2017). In this study, we address the methodological shortfall in previous studies by employing the endogenous switching probit (ESP) regression model for the binary outcome variable (entrepreneurship status) and endogenous switching regression (ESR) model for the continuous outcome variable (turnover).…”

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confidence: 99%

“…Access to finance is a necessary condition, not only for developing businesses but also for creating jobs and reducing poverty and social inequality (Bairagya et al, 2020;Liu et al, 2019). Indeed, access to finance is considered to be one of the main factors hampering the growth of women-owned businesses in developing countries (Aterido et al, 2013;Santos et al, 2018;Weng et al, 2020).…”

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confidence: 99%

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Access to finance and rural youth entrepreneurship in Benin: Is there a gender gap?

Senou

Manda

2022

African Development Review

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Rural entrepreneurship is an important employment generation intervention for the fastgrowing young labour force in developing countries. Many bottlenecks including access to finance impede rural youths to perform in their new ventures. This paper examines the impact of access to finance on rural youths' entrepreneurship in Benin using data from the second wave of the School-To-Work Transition (SWTS) survey involving over 900 youths. The paper employs the endogenous switching regression technique (ESR), combined with propensity score matching, to investigate the drivers of rural youths' access to finance and its impact on entrepreneurship intention and performance. The results indicate that age, education, poverty status, experience, working in the agricultural sector and the existence of a bank branch are important determinants of rural youths' access to finance. The results also show that access to finance increases the probability of youth's entrepreneurship by 15.2% on average. Similarly, the turnover increased by 15.86% for the youths who accessed finance. Moreover, the study shows a significant gender gap in rural entrepreneurship of 5.24% among youths that had access to finance in Benin. These results suggest that policymakers should encourage formal financial institutions to reduce their credit eligibility conditions for youths who do not have collateral.

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“…1.Viet Nguyen and van den Berg (2014) and Bairagya et al (2020) have used a similar concept for the credit market, wherein they have considered the proportion of informal borrowers within the district as an instrument for ‘accessibility to informal loan’ because of the fact that a higher proportion of informal borrowers within the district represents a larger informal lending network in that district.…”

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confidence: 99%

Does Vocational Training Promote Female Labour Force Participation? An Analysis for India

Bairagya

Bhattacharya

Tiwari

2021

Margin: The Journal of Applied Economic Research

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The objective of the article is to assess the impact of formal and informal vocational training on female labour force participation in India, based on the Periodic Labour Force Survey data for 2017–2018, employing a trivariate probit model. Results show that participation both in formal and informal vocational training has a positive and statistically significant impact on female labour force participation across all specifications of the regression models, thus showing the robustness of the relationship. Most importantly, the provision of vocational training helps break the traditional U-shaped relationship between female labour force participation and educational levels. However, the fact that the percentage of formal vocational training holders is much lower than that of informal vocational training holders and that it varies among males and females, points to the need for special policy attention on the promotion of female participation in formal vocational training on a large scale. JEL Codes: J21, J24, J71

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Impact of Credit Accessibility on the Earnings of Self-employed Businesses in India

Cited by 9 publications

References 15 publications

Frontiers in microfinance research for small and medium enterprises (SMEs) and microfinance institutions (MFIs): a bibliometric analysis

Frontiers in microfinance research for small and medium enterprises (SMEs) and microfinance institutions (MFIs): a bibliometric analysis

Access to finance and rural youth entrepreneurship in Benin: Is there a gender gap?

Does Vocational Training Promote Female Labour Force Participation? An Analysis for India

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