Download or read book An impact assessment of microfinance institutions on women entrepreneurs in small and medium enterprises SMEs written by Theophilus Tei Ayanou and published by GRIN Verlag. This book was released on 2014-07-15 with total page 77 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bachelor Thesis from the year 2011 in the subject Economics - Finance, Kwame Nkrumah University of Science and Technology, course: Business Administration, language: English, abstract: This research study investigates the impact assessment of microfinance on women entrepreneurs in SMEs. The researchers used case study, questionnaire as an instrument of primary data collection and secondary data. Statistical Package for Social Scientist (SPSS) and Microsoft Excel were used in data presentation and analysis. Random sampling of women entrepreneurs were used to select a sample size of sixty (60) respondents. For clear analysis, the study centers on three broad variables for impact assessments which are business, household and sociopolitical. The study reveals that microfinance has a positive impact on women entrepreneurs in relation to their business, household, socially and politically. The research also found out that the level of interest rate charged is a potential contribution to loan delinquency and the demand of collateral securities is a challenge to women entrepreneurs in their quest to access loan from MFIs. Also, the researcher contains recommendations to MFIs and women entrepreneurs in SMEs in the Kumasi Metropolis.
Download or read book Women Entrepreneurs in SMEs in Tanzania written by Joseph C. Pessa and published by LAP Lambert Academic Publishing. This book was released on 2013-01 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: Women are active participants in Small and Medium Enterprises (SMEs) which contribute 40 percent of the Tanzania economy's GDP. Although the proportion of women accessing micro-credit from MFIs is increasing, the majority of them are still considered a bad credit risk and are underserved. Most financial institutions frequently deny them access to micro credit financing. This book addresses this problem drawing on an in-depth study of women entrepreneur in SMEs' access to micro credit financing from microfinance institutions in the knowledge based economy. Seeking to understand difficulties facing women in Small and Medium Enterprises in obtaining bank loans, the book explores the problems that hinder women to access credit from MFIs, the proportion of women entrepreneurs and category of credit services they access. The book is useful to professionals in the field of Microfinance, Tax Administration, Banking, SMEs, Management, Policy development and women empowerment.
Download or read book The Effect of Microfinance Institutions on the Growth of Small Scale Enterprises in Kiambu County EMOD Thesis a Ccompanied by a CD ROM written by and published by . This book was released on 2014 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: The main objective of this study was to determine the effect of MFIs on the growth of SMEs in Kiambu County. The study was guided by the following research objectives: To determine the effect of MFIs on the growth of SMEs capital, to examine the effect of MFIs on the growth of SMEs human resource and to investigate ways of how MFIs can improve their financial assistance towards SMEs growth. This research adopted a descriptive research design. A descriptive research design is a scientific method which involves observing and describing the behaviour of a subject without influencing it in any way. The research population consisted of 25,000 registered Kiambu SMEs. In this study, the sampling frame constituted of SMES entrepreneurs and the information was obtained from the Kiambu County Authorities. The sampling techniques included the purposive sampling method in the determination of SMEs to be included in the study. Using a confidence level of 95% and a total population of 25,000 SMEs the sample size was 393. The data collection techniques that were employed for the research include the use of structured questionnaires. The respondents were requested for their time prior to sending the actual questionnaire. A pilot test involving 5 respondents was carried out to evaluate the completeness, precision, accuracy and clarity of the questionnaires. In this study, the descriptive statistics such as percentages and frequency distribution will be used to analyze the demographic profile of the participants. The demographic data will be tabulated using frequency and percentages. In order to describe the data, the study used means of each variable. The study established that savings remains the most important source of finance throughout the business cycle. The MFIs play a smaller role in economic empowerment of SMEs in Kiambu County, as most of the respondents, depended on village loans, self help groups (SHG) and from family members in generating their business start up capital. SHGs can also promote savings and yield moderate economic benefits that reduce the dependence on moneylenders. Access to finance has been identified as a key element for small scale enterprises to succeed in their drive to build productive capacity, to compete, to create jobs and to contribute to poverty alleviation in the county. Without finance, small scale enterprises cannot grow or compete in the turbulent business environment. MFIs play a small role on the growth of human capital. From the findings, MFIs also play a small role in making the labour force to be more productive. A small proportion of the respondents agreed that there were a number of MFIs offering business training to small and medium scale entrepreneurs in Kiambu County. It was also found that MFIs do not play any significant role in offering training in business skills. Any government interested in the development of their economy should be involved in the provision of good regulations for business growth. Making credit available to SMEs and at an affordable rate is a means to empower them. MFIs should deal with trust worthy Self Help Groups. MFIs should increase the grace period of loan repayment among SMEs. MFIs should collaborate with other MFIs in assisting SMEs and sensitization of SME business management in giving clients information about new loans, saving procedures and any other new products from the MFIs. The study concludes that MFIs have a small impact on the growth of SMEs as savings remains the most important source of finance throughout the business cycle. MFI plays a small role on the growth of human capital. The Kenyan government has failed to safe guard the property of the SMEs. The study recommends that MFIs should come up with innovative ways to finance SMEs for successful growth. MFI should play a critical role on the growth of human capital. The government should be involved in business growth. MFIs should assist SMEs in marketing of the business products, making credit available to SMEs at an affordable rate.
Download or read book Rural Microfinance and Microenterprise written by Amitabh Bhatnagar and published by Concept Publishing Company. This book was released on 2008 with total page 464 pages. Available in PDF, EPUB and Kindle. Book excerpt: Contributed articles on microfinance and small business in India.
Download or read book Money matters written by Gloria Almeyda and published by IDB. This book was released on 1996 with total page 182 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Impact of Microcredit on Women owned Small and Medium Enterprises written by Clemencia Osa Ouma and published by . This book was released on 2014 with total page 14 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microcredit is a crucial tool for economic empowerment of women. In Kenya, the microcredit industry has supported more than 3 million small and medium enterprises for close to 30 years. Kenya Women Finance Trust is a leading microcredit institution dealing exclusively with financing needs of women. However, whether the services provided by the institution have spurred growth among women-owned enterprises remains undocumented. The objective of this study was to assess the effect of access to microcredit services on the growth of women-owned enterprises within the Central Business District of Kisumu City. To accomplish this, we sourced primary data from 190 women entrepreneurs. The study found that access to microcredit significantly associated with sales, net profit, number of paid workers and liabilities. Thus, access to microcredit had positive effects on the growth of women-owned enterprises. In addition, Kenya Women Finance Trust's lending policies were not responsive to financing needs of women and to changes in the business environment. This undermined the potential of funded enterprises to achieve sustainable growth. The study recommends the need to review the financial institution's lending policies, increase the amount of microcredit funds and encourage other actors to finance women-owned enterprises.
Download or read book Factors that Affect the Performance of Women Owned Small and Medium Enterprises Case Study of Dire Dawa City written by Mikiyas Nigussie and published by GRIN Verlag. This book was released on 2024-01-31 with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt: Case Study from the year 2024 in the subject Business economics - Investment and Finance, grade: A, , course: Accounting and Finance, language: English, abstract: This study examined the factors that affected the performance of women-owned small and medium enterprises (SMEs) in Dire Dawa City. The research employed a qualitative case study approach to gather data from women entrepreneurs operating in the region. The study identified and analyzed key factors that influenced SME performance, including access to finance, entrepreneurial skills, social networks, government support, and market conditions. The findings highlighted the challenges faced by women entrepreneurs, such as limited access to finance and inadequate government support, while emphasizing the positive impact of strong social networks and supportive market conditions. Based on the results, recommendations were provided to enhance the performance of women-owned SMEs, including initiatives to improve access to finance, develop entrepreneurial skills, increase Access of Technology, availability of Infrastructure. The study contributed to the existing literature on women entrepreneurship and provided practical insights for policymakers, stakeholders, and women entrepreneurs in Dire Dawa City, enabling them to create a more supportive environment for the growth and success of women-owned SMEs.
Download or read book Women s Entrepreneurship and Microfinance written by Chiranjib Neogi and published by Springer. This book was released on 2018-03-06 with total page 214 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book offers a critical perspective on the issues related to women’s empowerment, microfinance, and entrepreneurship in India. Written by distinguishing experts in this field, this book highlights women’s empowerment, which is a process of entrusting power to an individual on the control over resources and decisions. However, these two factors are less effective in a society where religion and cultural dominance is high. The book sheds light on the social security measures undertaken by the government aiming to the right to work helped women who are bounded by social restrictions. Over time there is a shift in rural occupational structure towards non-farm activities, which is largely distress driven self-employment. Access to credit is a great source to provide self-employment that develops self-esteem among women and uplift their position. The book highlights the discrimination against women entrepreneurs in access to credit led to gender biased entrepreneurial society. Association with self-help groups (SHGs) has made women more socially empowered. SHG members help them to change their life in a positive manner through micro-entrepreneurial activities. The book has emphasized on the role of microfinance, which has served the poor to become financially self-reliant. It is observed that for second generation borrowers, the impact of microfinance seems to fizzle out, where MFIs who are gaining efficiency are diverting their objective of servicing poor, signalling a sign of mission drift.
Download or read book Empowering Women Through Microfinance in Developing Countries written by Alhassan, Yahaya and published by IGI Global. This book was released on 2023-10-25 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: Empowering Women Through Microfinance in Developing Countries is a book that explores how microfinance can be used to empower women in developing countries. It provides theoretical and empirical insights from industry experts, experienced researchers, and policymakers on the problems, processes, and prospects of using microfinance as a catalyst for women's empowerment in the developing world. The book covers a range of topics, including the impact of microfinance interventions on women's empowerment, financial inclusion, and women's entrepreneurship, poverty reduction among women, and small and medium-sized enterprise growth. This book addresses the lack of understanding about how microfinance can be used to empower women in developing countries. The insights provided in this book will be valuable for researchers, students, microfinance institutions, policymakers, state institutions, managers, non-governmental organizations, and financial institutions looking to expand their product portfolio and outreach. The book also provides policy directions and rethinking of practice in using microfinance as a strategy for eliminating barriers to women's empowerment in developing countries.
Download or read book Impact of Microfinance Institutions for Female Entrepreneurs written by Shauna Dilworth Yeldell and published by . This book was released on 2019 with total page 97 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance encompasses a broad range of financial services targeted at low income individuals seeking to build income and assets. There has been extensive research on the role of microfinance institutions (henceforth "MFIs") in developing countries on poverty reduction, particularly for female clients. In contrast, research on MFIs operating within the United States is more limited. This study seeks to fill this gap in the literature and is one the first to focus on the impact of an MFI on female clients in the US using data from a Philadelphia-based MFI. The study examined the factors affecting outcomes of female entrepreneurs as compared to their male counterparts measured by changes in financial capability, repayment history, household incomes, and sustainability. Although the study does not statistically support the existence of differences between the outcomes for female and male clients of the MFI, the data does indicate positive outcomes for the clients. The business survival rates on average are above national indicators. The personal credit scores for MFI clients reflect improvement subsequent to receiving loans. This study utilized survey instruments and a focus group study to identify barriers to the success of female entrepreneurs. Noted barriers such as lack of access to capital, lack of relevant business knowledge provide a foundation for future research study.
Download or read book Micro Credit Management by Women s Self help Groups written by U. Jerinabi and published by Discovery Publishing House. This book was released on 2006 with total page 214 pages. Available in PDF, EPUB and Kindle. Book excerpt: Contents: Introduction, Growth of Self Help Groups in India, Review of Literature, Methodology, Performance of the Self Help Groups, Impact of Micro Credit on SHG Members, Summary and Conclusion.
Download or read book Promoting Entrepreneurship and Innovative SMEs in a Global Economy written by OECD and published by OECD Publishing. This book was released on 2008-01-03 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Microfinance and Poverty written by Hege Gulli and published by IDB. This book was released on 1998 with total page 134 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Impact of Microfinance Institutions on Small Scale Enterprises written by Emmanuel Kofi Mintah and published by . This book was released on 2014-07-03 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Global Findex Database 2017 written by Asli Demirguc-Kunt and published by World Bank Publications. This book was released on 2018-04-19 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
Download or read book Access to Finance for Micro Small and Medium Sized Enterprises in Bosnia and Herzegovina with a Focus on Gender written by Weltbankgruppe and published by . This book was released on 2018 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This report provides a baseline analysis of the status of access to finance for micro, small, and medium-sized enterprises (MSMEs) with a particular focus on women entrepreneur' ability and constraints in accessing finance in order to develop and grow their businesses. It is based on a nationally representative survey of 542 enterprises conducted in Bosnia and Herzegovina (BiH) between September 2016 and February 2017. The survey is a continuation of the ongoing work on access to finance and builds upon an earlier supply-side study conducted by the World Bank during the 2014 IMF/World Bank Financial Sector Assessment Program (FSAP) Update, as well as on lessons learned from the BiH Enhancing SME Access to Finance Project. The objective of the survey is to further analyze the demand side constraints to private sector growth and enterprise performance related to or arising from lack of access to finance. The survey has the specific aim to determine the level of women entrepreneurs' ability and constraints in accessing finance in order to develop and grow their businesses.
Download or read book Microfinance and Sustainable Development in Africa written by Alhassan, Yahaya and published by IGI Global. This book was released on 2021-12-10 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt: The use of microfinance for poverty reduction and economic development in the developing world is growing. However, this concept needs to be expanded to ensure its successful application for achieving longer-term economic growth and sustainability in developing countries, particularly in parts of the world such as Africa. As such, further research into the relationship between microfinance and sustainable development in developing regions is required to fully understand the opportunities for effective use of microfinance for poverty reduction and economic development. Microfinance and Sustainable Development in Africa examines the complex relationship between receipt of microfinance, poverty reduction, economic growth, and microbusiness development, focusing on the provision of small credit facilities as a driver of sustainable development in Africa. Its coverage of topics such as microbusiness, social finance, and sustainable development make this book an ideal reference source for academicians, researchers, government officials, policymakers, organizations, managers, instructors, and students.
