Access the full text.
Sign up today, get DeepDyve free for 14 days.
P. Kantor (2002)A Sectoral Approach to the Study of Gender Constraints on Economic Opportunities in the Informal Sector in India
Gender & Society, 16
Journal of Banking & Finance, 34
T. Beck (2007)Financing constraints of SMEs in developing countries: Evidence, determinants and solutions.
Journal of the American College of Cardiology
T. Bhavani, N. Bhanumurthy (2015)Financial Access - Measurement and Determinants: A Case Study of Unorganised Manufacturing Enterprises in India
Indian economic review, 49
F. Bonnet (2018)Women and men in the informal economy: a statistical picture
Journal of the European Economic Association, 11
S. Marlow, D. Patton (2005)All Credit to Men? Entrepreneurship, Finance, and Gender
Entrepreneurship Theory and Practice, 29
S. Coleman (2000)Access to Capital and Terms of Credit: A Comparison of Men- and Women- Owned Small Businesses
Journal of Small Business Management, 38
M. Treichel, Jonathan Scott (2006)Women-Owned businesses and access to bank credit: Evidence from three surveys since 1987
Venture Capital, 8
Larry Chavis, Leora Klapper, Inessa Love (2010)International differences in entrepreneurial finance
S. Chant, C. Pedwell (2008)Women, gender and the informal economy:An assessment of ILO research and suggested ways forward
S. Desai, A. Dubey (2012)Caste in 21st Century India: Competing Narratives.
Economic and political weekly, 46 11
S. Roper, J. Scott (2009)Perceived Financial Barriers and the Start-up Decision
International Small Business Journal, 27
Nirman Bhawan (2013)(TO BE PUBLISHED IN THE GAZETTE OF INDIA PART III SECTION I) Government of India Ministry of Micro, Small and Medium Enterprises Office of Development Commissioner (MSME)
(2017)Micro, small, and medium enterprise finance: improving access to finance for women-owned business in India
Yuko Nikaido, Jesim Pais, Mandira Sarma (2015)What hinders and what enhances small enterprises' access to formal credit in India?
Review of Development Finance, 5
Laura Babbitt, Drusilla Brown, Nima Mazaheri (2015)Gender, Entrepreneurship, and the Formal–Informal Dilemma: Evidence from Indonesia
World Development, 72
Colin Williams, A. Gurtoo (2011)Women Entrepreneurs in the Indian Informal Sector: Marginalisation Dynamics or Institutional Rational Choice?
Political Economy - Development: Underdevelopment & Poverty eJournal
Allen Berger, Gregory Udell (1994)Relationship Lending and Lines of Credit in Small Firm Finance
Kelley: Finance (Topic)
R. Swain, F. Wallentin (2017)The Impact of Microfinance on Factors Empowering Women: Differences in Regional and Delivery Mechanisms in India’s SHG Programme
The Journal of Development Studies, 53
Yao Wang (2016)What are the biggest obstacles to growth of SMEs in developing countries? – An empirical evidence from an enterprise survey
Borsa Istanbul Review, 16
Ngoc-Thang Le, Thang Nguyen (2009)The Impact of Networking on Bank Financing: The Case of Small and Medium-Sized Enterprises in Vietnam
Economics of Networks
A. Gurtoo, C. Williams (2009)Entrepreneurship and the Informal Sector
The International Journal of Entrepreneurship and Innovation, 10
(2014)Annual report 2013–14
Journal of Developmental Entrepreneurship, 7
S. Coleman (2007)Women-Owned Firms and Growth
Journal of Business and Entrepreneurship, 19
(2012)Empowering women is smart economics-closing gender gaps benefits countries as a whole, not just women and girls
S. Coleman, A. Robb (2012)Gender-based Firm Performance Differences in the United States: Examining the Roles of Financial Capital and Motivations
(2009)Impact of gender in small scale enterprises: a study of women enterprises in India
Leora Klapper, S. Parker (2011)Gender and the business environment for new firm creation
World Bank Research Observer, 26
S. Marlow (2006)A safety net or ties that bind? Women, welfare and self‐employment
International Journal of Sociology and Social Policy, 26
Jonathan Scott, W. Dunkelberg (2001)Competition and Credit Market Outcomes: A Small Firm Perspective
Fox School of Business
(2020)Harvard Business School
The Grants Register 2022
T. Beck, A. Demirguc-Kunt, R. Levine (2005)SMEs, Growth, and Poverty: Cross-Country Evidence
Journal of Economic Growth, 10
Diana Fletschner (2008)Women's Access to Credit: Does it Matter for Household Efficiency?
Wiley-Blackwell: American Journal of Agricultural Economics
Giseung Kim (2007)The analysis of self-employment levels over the life-cycle
The Quarterly Review of Economics and Finance, 47
Simon Amegashie-Viglo, Stephen Bokor (2014)Enterpreneurship Development and Opportunities for Skills Training For Job Creation in the Informal Sector of the Volta Region in Ghana
Journal of economics and sustainable development, 5
Alexander Rothenberg, Arya Gaduh, Nicholas Burger, Charina Chazali, Indrasari Tjandraningsih, Rini Radikun, Cole Sutera, Sarah Weilant (2016)Rethinking Indonesia's Informal Sector
World Development, 80
(2014)Enhancing women’s economic empowerment through entrepreneurship and business leadership in OECD countries
V. Puhazhendhi (2012)Microfinance India 2012, state of the sector report 2012
Economic and Political Weekly, 48
E. Duflo (2012)Women Empowerment and Economic Development
Development Economics: Women
(2003)Professional attainment as a challenge to gender disadvantange in entrepreneurship
Doris Neuberger, Solvig Räthke-Döppner (2013)Leasing by small enterprises
Applied Financial Economics, 23
A. Bellucci, A. Borisov, A. Zazzaro (2009)Does Gender Matter in Bank-Firm Relationships? Evidence from Small Business Lending
Behavioral & Experimental Economics eJournal
Y. Georgellis, Howard Wall (2005)Gender differences in self‐employment
International Review of Applied Economics, 19
Wendy Brown, L. Galloway, J. Levie (2002)Global Entrepreneurship Monitor
M. Minniti, W. Naudé (2010)What Do We Know About The Patterns and Determinants of Female Entrepreneurship Across Countries?
The European Journal of Development Research, 22
A. Muravyev, Oleksandr Talavera, Oleksandr Talavera, Dorothea Schäfer, Dorothea Schäfer (2009)Entrepreneurs' Gender and Financial Constraints: Evidence from International Data
Journal of Comparative Economics, 37
E. Buttner, B. Rosen (1988)Bank Loan Officers' Perceptions of the Characteristics of Men, Women and Successful Entrepreneurs.
Journal of Business Venturing, 3
Y. Kon, David Storey (2003)A Theory of Discouraged Borrowers
Small Business Economics, 21
F. Schneider, Andreas Buehn, Claudio Montenegro (2010)New Estimates for the Shadow Economies all over the World
International Economic Journal, 24
Erica Field, S. Jayachandran, R. Pande (2010)Do Traditional Institutions Constrain Female Entrepreneurship? A Field Experiment on Business Training in India
The American Economic Review, 100
(2016)MOSPI, Government of India
A. Alesina, F. Lotti, Paolo Mistrulli (2008)Do Women Pay More for Credit? Evidence from Italy
Human Rights & the Corporation eJournal
M. Baliamoune-Lutz, Stefan Lutz (2017)Financing and Performance of Female-Owned Firms in Middle Eastern and African Economies
ERN: Women & Gender Issues (Topic)
Grace Kim (2006)Do Equally Owned Small Businesses Have Equal Access to Credit?
Small Business Economics, 27
M. Rajeev, B. Vani, Manojit Bhattacharjee (2011)Credibility of Equal Access to Credit: Does Gender Matter?
Poonam Sharma (2010)The Growth Pattern of Women-Run Enterprises
Review of Professional Management- A Journal of New Delhi Institute of Management, 8
K. Allendorf (2007)Do Women's Land Rights Promote Empowerment and Child Health in Nepal?
World development, 35 11
The purpose of this paper is to determine the factors which affect the financial access of the female-owned informal enterprises (FOIEs) in India. There has been a dearth of studies particularly targeting determinants of credit access by the women-owned informal enterprises. Demand side factors affecting financial access have been studied. The study of major factors affecting access to credit by unorganized women enterprises will be useful for policy making perspectives.Design/methodology/approachThe study uses nationalized micro data set on the non-agricultural informal enterprises and probit estimation has been used to identify the factors which affect the probabilities of access to credit for the FOIEs.FindingsThe study highlights what facilitates and hinders the financial access for the FOIEs particularly in India. These enterprises in rural areas have better chances to avail credit from formal sources. Firm size, measured by policy-making size of employment and gross profit, involvement in diversified activities, maintenance of accounting record, has positive and significant impact on access to formal credit. The younger firms and the firms operating in the southern states of the country have higher probabilities to avail credit from institutional sources.Originality/valueThe study used the latest data set available on Indian informal enterprises, thus provides important insights about the status of financing of enterprises in India. This study highlights the regional variations and gender disparities that are prevalent in the Indian economy.
International Journal of Social Economics – Emerald Publishing
Published: Aug 14, 2019
Keywords: Credit access; Informal enterprises; Financial access; women entrepreneurs
Access the full text.
Sign up today, get DeepDyve free for 14 days.