调查银行在促进妇女拥有的微型和小型企业中的作用 来自新兴经济体的经验证据

IF 4.8 Q1 BUSINESS Business Strategy and Development Pub Date : 2024-08-04 DOI:10.1002/bsd2.418
Sadia Noor Khan, Tasneema Khan, Khondokar Jilhajj
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引用次数: 0

摘要

孟加拉国的女企业家在申请银行融资时面临着严格的条款和条件、高利率和抵押要求。本文从获得银行融资和抵押要求的角度,探讨了银行在促进孟加拉国妇女所拥有的微型和小型企业方面所起的作用。由于孟加拉国的女企业家人数激增,因此选择了孟加拉国的女企业家。本研究在分层抽样的基础上使用封闭式问卷收集数据,并使用哈曼单因素法确保数据健康,表明不存在普通方法偏差。样本包括试点研究的 60 名受访者和由经过培训的调查员调查的 150 名受访者,最终样本量为 210 个。数据是根据原始资料收集的,来自孟加拉国全国八个省,即达卡、巴里沙勒、吉大港、库尔纳、迈门辛斯、拉杰沙希、兰普尔和锡尔赫特。数据采用 IBM SPSS 统计软件的二元逻辑回归模型进行分析。实证结果表明,根据孟加拉国中央银行的规定,女企业家只需提供个人担保、社会保障和团体 担保,即可获得私营商业银行的银行融资,无需抵押资产。研究结果将有助于增加现有文献的价值,并对有关各方有所帮助。
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Investigating the role of banks in promoting women-owned micro and small businesses empirical evidence from an emerging economy

Women entrepreneurs of Bangladesh face strict terms and conditions, high interest rate, and collateral requirements while requesting access to bank finance. This paper investigates the role of banks in promoting micro and small businesses owned by women in Bangladesh in terms of access to bank finance and collateral requirement. Bangladeshi women entrepreneurs were chosen as there are surge in women entrepreneurs in the nation. The study used a close-ended questionnaire to collect data based on stratified sampling and data health was ensured using the Harman's single factor indicating no presence of common method bias. The sample consists of 60 respondents of pilot study and 150 respondents surveyed by trained enumerators resulting a final sample size of 210. The data were collected based on primary sources from the entire Bangladesh represented by the eight divisions of the country namely Dhaka, Barishal, Chittagong, Khulna, Mymensingh, Rajshahi, Rangpur, and Sylhet. The data were analyzed based on the binary logistic regression model using the IBM SPSS Statistics. Empirical results indicate that women entrepreneurs can be granted bank finance only by the private commercial banks without pledging collateralized assets according to the rules of the central bank of Bangladesh provided they offer personal guarantee, social security and group guarantee and if they default on the loans, security will be used for loan repayment, and they will be deprived of further loan facilities. The findings of the study will help add value to the current literatures and the outcomes will be helpful to the concerned parties.

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来源期刊
Business Strategy and Development
Business Strategy and Development Economics, Econometrics and Finance-Economics, Econometrics and Finance (all)
CiteScore
5.80
自引率
6.70%
发文量
33
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