{"title":"尼日利亚农村的女企业家:正规与非正规信贷计划","authors":"Wuraola Peter, Barbara Orser","doi":"10.1108/ijge-03-2023-0053","DOIUrl":null,"url":null,"abstract":"<h3>Purpose</h3>\n<p>This study examines why low-wealth women entrepreneurs forgo mobile enabled money services and government supported micro finance for informal, community-based revolving loans in rural Nigeria.</p><!--/ Abstract__block -->\n<h3>Design/methodology/approach</h3>\n<p>Thematic analysis of 25 interviews with women in rural, south-west Nigeria. Entrepreneurial ecosystem theory, in the gendered context of micro finance and community-based lending, is employed.</p><!--/ Abstract__block -->\n<h3>Findings</h3>\n<p>This study explains the paradox of forgoing seemingly accessible mobile enabled credit, and formal credit schemes (e.g. micro-finance programs) for informal, one-on-one borrowing. Convenience and trust-based relationships with respected community members ease the burden of time scarcity and vulnerability associated with formal capital. Flexible terms, autonomy, self-reliance and knowing who one is dealing with make Esusu a preferred source of finance. Findings are discussed in the context of gendered entrepreneurial ecosystems in which participants conduct business.</p><!--/ Abstract__block -->\n<h3>Research limitations/implications</h3>\n<p>The sample is not representative of women entrepreneurs in rural Nigeria. Survivorship bias is acknowledged. Further research is needed on the psychological risks of informal capital and the benefits of community-based lending.</p><!--/ Abstract__block -->\n<h3>Practical implications</h3>\n<p>Measures to scale mobile enabled credit, without commensurate interventions to address time management and other structural issues that confront women traders, limit their utility and impacts. Power differentials between women traders and lenders must also be considered in the design of lending products. Training of women traders and formal lenders should incorporate curricula about gender gaps in capital markets and systematic gender challenges to support entrepreneurs who seek to grow beyond subsistence enterprises.</p><!--/ Abstract__block -->\n<h3>Originality/value</h3>\n<p>This study documents decision criteria that motivate informal rural women traders to employ community-based revolving credit or Esusu. Findings inform measures to increase women entrepreneurs' access to capital in a rural sub-Saharan Africa contexts.</p><!--/ Abstract__block -->","PeriodicalId":46720,"journal":{"name":"International Journal of Gender and Entrepreneurship","volume":null,"pages":null},"PeriodicalIF":3.1000,"publicationDate":"2024-09-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Women entrepreneurs in rural Nigeria: formal versus informal credit schemes\",\"authors\":\"Wuraola Peter, Barbara Orser\",\"doi\":\"10.1108/ijge-03-2023-0053\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"<h3>Purpose</h3>\\n<p>This study examines why low-wealth women entrepreneurs forgo mobile enabled money services and government supported micro finance for informal, community-based revolving loans in rural Nigeria.</p><!--/ Abstract__block -->\\n<h3>Design/methodology/approach</h3>\\n<p>Thematic analysis of 25 interviews with women in rural, south-west Nigeria. Entrepreneurial ecosystem theory, in the gendered context of micro finance and community-based lending, is employed.</p><!--/ Abstract__block -->\\n<h3>Findings</h3>\\n<p>This study explains the paradox of forgoing seemingly accessible mobile enabled credit, and formal credit schemes (e.g. micro-finance programs) for informal, one-on-one borrowing. Convenience and trust-based relationships with respected community members ease the burden of time scarcity and vulnerability associated with formal capital. Flexible terms, autonomy, self-reliance and knowing who one is dealing with make Esusu a preferred source of finance. Findings are discussed in the context of gendered entrepreneurial ecosystems in which participants conduct business.</p><!--/ Abstract__block -->\\n<h3>Research limitations/implications</h3>\\n<p>The sample is not representative of women entrepreneurs in rural Nigeria. Survivorship bias is acknowledged. Further research is needed on the psychological risks of informal capital and the benefits of community-based lending.</p><!--/ Abstract__block -->\\n<h3>Practical implications</h3>\\n<p>Measures to scale mobile enabled credit, without commensurate interventions to address time management and other structural issues that confront women traders, limit their utility and impacts. Power differentials between women traders and lenders must also be considered in the design of lending products. Training of women traders and formal lenders should incorporate curricula about gender gaps in capital markets and systematic gender challenges to support entrepreneurs who seek to grow beyond subsistence enterprises.</p><!--/ Abstract__block -->\\n<h3>Originality/value</h3>\\n<p>This study documents decision criteria that motivate informal rural women traders to employ community-based revolving credit or Esusu. Findings inform measures to increase women entrepreneurs' access to capital in a rural sub-Saharan Africa contexts.</p><!--/ Abstract__block -->\",\"PeriodicalId\":46720,\"journal\":{\"name\":\"International Journal of Gender and Entrepreneurship\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":3.1000,\"publicationDate\":\"2024-09-12\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"International Journal of Gender and Entrepreneurship\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.1108/ijge-03-2023-0053\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q2\",\"JCRName\":\"BUSINESS\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"International Journal of Gender and Entrepreneurship","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1108/ijge-03-2023-0053","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q2","JCRName":"BUSINESS","Score":null,"Total":0}
Women entrepreneurs in rural Nigeria: formal versus informal credit schemes
Purpose
This study examines why low-wealth women entrepreneurs forgo mobile enabled money services and government supported micro finance for informal, community-based revolving loans in rural Nigeria.
Design/methodology/approach
Thematic analysis of 25 interviews with women in rural, south-west Nigeria. Entrepreneurial ecosystem theory, in the gendered context of micro finance and community-based lending, is employed.
Findings
This study explains the paradox of forgoing seemingly accessible mobile enabled credit, and formal credit schemes (e.g. micro-finance programs) for informal, one-on-one borrowing. Convenience and trust-based relationships with respected community members ease the burden of time scarcity and vulnerability associated with formal capital. Flexible terms, autonomy, self-reliance and knowing who one is dealing with make Esusu a preferred source of finance. Findings are discussed in the context of gendered entrepreneurial ecosystems in which participants conduct business.
Research limitations/implications
The sample is not representative of women entrepreneurs in rural Nigeria. Survivorship bias is acknowledged. Further research is needed on the psychological risks of informal capital and the benefits of community-based lending.
Practical implications
Measures to scale mobile enabled credit, without commensurate interventions to address time management and other structural issues that confront women traders, limit their utility and impacts. Power differentials between women traders and lenders must also be considered in the design of lending products. Training of women traders and formal lenders should incorporate curricula about gender gaps in capital markets and systematic gender challenges to support entrepreneurs who seek to grow beyond subsistence enterprises.
Originality/value
This study documents decision criteria that motivate informal rural women traders to employ community-based revolving credit or Esusu. Findings inform measures to increase women entrepreneurs' access to capital in a rural sub-Saharan Africa contexts.
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.