The marginalisation of female entrepreneurs in accessing credit is well documented. Yet, how female entrepreneurs navigate through the marginalisation to gain funding is under-explored.
The authors address this gap using qualitative data from 30 female entrepreneurs in three neighbourhoods with varying socio-economic characteristics in Ghana's capital, Accra.
The authors find a marked aversion to bank loans among respondents. Consequently, they nurtured trust in their social circles in order to facilitate access to informal credit from internal (e.g. family and friends) and external (e.g. trade credit, associations and religious organisations) sources. This aversion to loans from formal financial institutions (FFIs) had a socio-cultural aspect, including cumbersome application procedures, a deep-rooted fear of the social consequences of defaulting and religious prohibition against interest payment for Islamic traders.
This paper shows that providing formal access to credit is not enough to support women's entrepreneurship if the socio-cultural factors inhibiting women's access to credit from FFIs are not addressed.
The findings suggest that trust is an important factor that bridges the gap in female entrepreneurs' access to funding given their heavy reliance on informal sources of funding.
The peer review history for this article is available at: https://publons.com/publon/10.1108/IJSE-02-2023-0090
The purpose of this research was to examine the influence of entrepreneurial orientation on social performance and the influence of social performance on financial performance of microfinance institutions (MFIs) in Indonesia. These tests use environmental dynamism as antecedents.
The research was conducted on a sample of 235 CEOs/top leaders of MFIs spread across all provinces in Indonesia. Data collection used survey questionnaires. Data testing used SPSS version 25, and structural modeling used Amos version 25.
The findings show that entrepreneurial orientation significantly influences the social performance of MFIs in Indonesia. Entrepreneurial orientation does not influence financial performance but must go through social performance mediation. Social performance has a significant effect on financial performance. The importance of MFIs improves social performance (depth and breadth of reach) to improve financial performance.
MFIs need to increase social contribution and responsibility to improve social performance which will impact financial performance.
Entrepreneurial orientation influence on financial performance goes through social performance. Social performance includes the depth of the reach to contribute to improving the quality of life of people experiencing poverty around the MFI's operations and the social responsibility of MFIs to the community through scholarships, free medical assistance, basic food assistance and building/renovating houses of worship and others.
The peer review history for this article is available at: https://publons.com/publon/10.1108/IJSE-06-2023-0478
A woman's nutritional status significantly determines her overall well-being. The authors critically examine the trends — including socioeconomic disparities — in undernutrition among Muslim women in India, a notably socio-economically disadvantaged group. The authors also investigate trends and variations across the dimensions of caste, place of residence (rural/urban), education, economic status and geographic regions.
The analysis leverages the nationally representative National Family Health Surveys (NFHS) of India conducted between 1998 and 2021. The authors examined poor–rich ratios, concentration indices, disparity ratios and predicted probabilities of being underweight (captured using Body Mass Index).
From 1998 to 2021, there has been a decline in undernutrition prevalence among Muslim women. However, stark socioeconomic variations persist. While the prevalence has decreased over time across all socioeconomic groups, disparities — both within and between groups — remain significant and, in many cases, have expanded. For certain socioeconomic subgroups (e.g. Muslim women with no formal education or those in the Central and Northeast regions), the disparity doubled between 1998 and 2021. In regions like the South, where undernutrition prevalence is low or has reduced, disparities remain significant and generally have increased.
To the authors’ knowledge, the study is the first to provide a comprehensive examination of the prevalence, trends and socioeconomic disparities in undernutrition among Muslim women in India over the past two decades.
The peer review history for this article is available at: https://publons.com/publon/10.1108/IJSE-04-2023-0320
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