Performance drivers of women-owned microcredit funded enterprises in Tanzania

IF 3.1 Q2 BUSINESS
Charles S. Tundui, H. Tundui
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引用次数: 7

Abstract

The purpose of this paper is to investigate performance drivers of women-owned businesses that are funded primarily through microcredit. It draws on Storey’s theory of small business growth and family embeddedness axiom to examine the factors that drive the performance of businesses that are funded primarily through microcredit.,The paper uses a cross-sectional survey that covered 208 women business owners who had access to microcredit. The authors use a logistic regression analysis to model the relationship between independent variables and enterprise performance.,The paper demonstrates that microcredit plays a significant role in business performance. The credit amount has the most significant influence on the enterprise capital base, whereas the effect on profits is insignificant. Also, owners are more likely to report growth in profits if they possess skills in business management. In addition, younger business owners and necessity entrepreneurs are more likely to report success in their businesses. Other factors that have a significant effect on business performance are product cycle, loan use and family support.,Many women in Tanzania are entering business ownership and depend on microcredit as their primary source of capital for starting and growing their businesses. However, just a few businesses grow into small and medium-sized enterprises. For informed policy decisions, it is important that the factors influencing the performance of funded businesses are known and well understood. This understanding will help the government and development practitioners assist women in achieving business growth rates that could warrant their empowerment and poverty reduction prospects.
坦桑尼亚妇女拥有的小额信贷资助企业的业绩驱动因素
本文的目的是调查主要通过小额信贷融资的妇女拥有的企业的绩效驱动因素。它借鉴了Storey的小企业成长理论和家庭嵌入公理来研究驱动主要通过小额信贷融资的企业绩效的因素。该论文采用了一项横断面调查,涵盖了208名获得小额信贷的女企业主。作者使用逻辑回归分析来建立自变量与企业绩效之间的关系模型。本文论证了小额信贷对企业绩效的显著影响。信贷金额对企业资本基础的影响最为显著,而对利润的影响不显著。此外,拥有企业管理技能的企业主更有可能报告利润增长。此外,年轻的企业主和必需品企业家更有可能在他们的企业中取得成功。其他对企业绩效有显著影响的因素有产品周期、贷款使用和家庭支持。坦桑尼亚的许多妇女开始拥有企业,她们依靠小额信贷作为开办和发展企业的主要资金来源。然而,只有少数企业成长为中小企业。对于知情的政策决定,重要的是要知道并充分理解影响受资助企业业绩的因素。这种理解将有助于政府和发展从业者帮助妇女实现能够保证其赋权和减贫前景的商业增长率。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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来源期刊
CiteScore
7.40
自引率
15.60%
发文量
15
期刊介绍: Launched in 2009, the International Journal of Gender and Entrepreneurship (IJGE) aims to facilitate the natural evolution of the field of gender and entrepreneurship by drawing together the very best research contributions from around the world. The journal seeks to: -Provide a dedicated publication outlet for high calibre, international research of interest to scholars, entrepreneurs and policy makers in the field of gender and entrepreneurship -Offer a unique perspective on the practice of gender and entrepreneurship by including sections dedicated to practitioner and policy content -Support a more consistent global approach to the presentation of research in the field -Platform the work of dynamic young researchers and those who are in a position to offer new perspectives on this particular research area -Enable those active in the area as researchers, educators, trainers, practitioners, support personnel and policy makers to keep up to date with the field on an international level. The coverage of the journal includes, but is not limited to: Entrepreneurship, Female/Women’s entrepreneurship , Business, Management, Strategy, Gender, Economics, Internationalization, Marketing.
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