Women's Access to Credit in France: How Microfinance Institutions Import Disparate Treatment from Banks

Cozarenco, Anastasia; Szafarz, Ariane

doi:10.2139/ssrn.2387573

Cited by 3 publications

(2 citation statements)

References 56 publications

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“…Only a few European MFIs from Eastern Europe report on the MIX market, while Western Europe is not reported at all. Exceptions include the various reports published by the EMN and the Microfinance Centre (MFC), the two main European microfinance networks, Johnson (1998), who compares microfinance in developed and developing countries, Botti and Corsi (2010) and Botti and Corsi (2011), who analyse the social performance of Italian and European MFIs, or Cozarenco and Szafarz (2013), who study the impact of loan size ceilings within a French MFI. However, microfinance in Europe is an important topic since access to finance is critical for the development of micro-enterprises and small and medium size enterprises (SMEs) (European Commission, 2005).…”

Section: Introductionmentioning

confidence: 99%

Green Microfinance in Europe

Forcella

Hudon

2014

J Bus Ethics

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Microfinance institutions (MFIs) are alternative financial providers offering financial services to people typically excluded from the standard banking sector. While most MFIs are active in developing countries, there is also a young and developing microfinance sector in Europe; however, very little literature exists on this MFI segment. In this paper, we analyze the environmental performance of 58 European MFIs. Our results suggest that the size of the MFI, investor concern for environmental performance and, to a lesser extent, donor interest, are closely related to the institution's environmental performance. Moreover, providing loans larger than microcredits is linked to better environmental performance. This could suggest that the additional revenues generated from these loans, also called cross-subsidies, could help MFIs to strengthen their environmental bottom line. Finally, no evidence suggests that profit status explains environmental performance.

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Section: Introductionmentioning

confidence: 99%

Green Microfinance in Europe

Forcella

Hudon

2014

J Bus Ethics

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“…Additionally, disparities in credit access based on gender and ethnicity are well-documented. Cozarenco & Szafarz (2014) highlight the disparate treatment faced by women in accessing credit, indicating structural differences in the financing options available to male and female entrepreneurs. Bruder et al (2011) found that entrepreneurs with a migration background are more likely to receive smaller loan amounts than requested, underscoring the need for financial institutions to address these disparities.…”

Section: Introductionmentioning

confidence: 97%

Exploring the Discrepancy between Marketing Focused on Racial and Ethnic Diversity and the Availability of Support for Immigrant Entrepreneurs in Economic Development

Md Eyasin Ul Islam Pavel,

Shamim Ara Pia

2024

jhsss

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This study investigates the complex relationship between the emphasis on racial and ethnic diversity in economic development marketing and the availability of grant or loan programmes for immigrant entrepreneurs. Utilizing a comprehensive survey conducted in collaboration with the International City/County Management Association and Cornell University, the research analyses responses from chief administrative officers across U.S municipalities. The study employs quantitative analysis to examine the correlation between diversity-focused marketing strategies and the existence of financial support mechanisms for immigrant entrepreneurs. Key findings reveal a statistically significant association between the emphasis on diversity in marketing and the presence of support programmes. However, the study highlights the discrepancy between marketing claims and actual support available to immigrant entrepreneurs. The policy implications suggest a need for authentic integration of diversity in both marketing and program implementation, emphasising the role of tangible support mechanisms. The findings underline the necessity of holistic and inclusive economic development strategies that align promotional efforts with practical support for immigrant entrepreneurs.

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Microcrédit en France : femmes et hommes face à la solvabilité

Cazabat¹,

Grama-Vigouroux²,

Saidi³

et al. 2020

Management &Amp; Avenir

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La présente étude examine les facteurs quantitatifs et qualitatifs qui influencent la solvabilité des bénéficiaires de microcrédit notamment chez les hommes et femmes en France. Nous nous intéressons à trois catégories de facteurs liés au bénéficiaire de microcrédit, à son projet et à l’institution de microfinance. Nous étudions l’impact de ces facteurs sur la solvabilité auprès de 222 femmes et 468 hommes bénéficiaires de microcrédit. Il en ressort que la situation familiale constitue un facteur de solvabilité distinctif chez les femmes bénéficiaires de microcrédit tandis que la motivation entrepreneuriale l’est davantage chez leurs homologues masculins. Nos résultats montrent que les projets lancés dans le domaine commercial influencent la solvabilité chez les femmes, alors que les projets initiés dans le secteur industriel impactent la solvabilité chez les hommes. En outre, les projets innovants constituent un critère déterminant de la solvabilité des femmes bénéficiaires de microcrédit.

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Women's Access to Credit in France: How Microfinance Institutions Import Disparate Treatment from Banks

Cited by 3 publications

References 56 publications

Green Microfinance in Europe

Green Microfinance in Europe

Exploring the Discrepancy between Marketing Focused on Racial and Ethnic Diversity and the Availability of Support for Immigrant Entrepreneurs in Economic Development

Microcrédit en France : femmes et hommes face à la solvabilité

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