FEMALE ENTREPRENEURSHIP AND ACCESS TO BANK LOANS IN TANZANIA: A DOUBLE-HURDLE MODEL APPROACH

• Tipo: Artigo em Revista Científica Internacional
• Data: 2017

Autores

Aurora Teixeira (Autor) FEP; Sharifu, HA (Autor) Outra

Revista

Título: Journal of Developmental Entrepreneurship

Vol. 22 Nº 3

Página Final: 1750019

ISSN: 1084-9467

Editora: World Scientific

Indexação

ISI Web of Knowledge - 0 Citações

Outras Informações

ID Authenticus: P-00N-4NQ

DOI: 10.1142/s1084946717500194

Abstract (EN): The present study assesses the perceptions of female entrepreneurs in Tanzania regarding the access to bank loans and the difficulties experienced in the process of financing their businesses. Focusing on small-scale businesses, face-to-face interviews were conducted with 75 female entrepreneurs from the Dar es Salaam area. Resorting to double-hurdle estimation models, we conclude that: 1) women who perceive higher discrimination and/or inequality in accessing bank loans, but who also recognize that female entrepreneurs often lack relevant business skills, tend to apply more often for bank loans; 2) women running larger business, operating in the tailoring industry, face fewer difficulties; 3) although highly educated female entrepreneurs apply less for bank loans, formal education acts as a shield to the difficulties faced by women when applying to bank loans; 4) more autonomous and money seeking female entrepreneurs are less likely to report difficulties during the bank loan application process.

Idioma: Inglês

Tipo (Avaliação Docente): Científica

Nº de páginas: 29