Profiling a New Generation of Female Small Business Owners in New Zealand: Networking,Mentoring and Growth

The contribution of female small business owners to economic development in Western developed countries such as New Zealand, Australia, the United Kingdom, the United States and Canada, is generally under–researched and traditionally grounded in male norms. Increasingly policy–makers acknowledge that in countries like New Zealand where 85% of business employs five or less people, small business offers the greatest employment potential. Not enough is known, though, about the growth orientation and characteristics of female small business owners. This article reports findings from the largest empirical study of small business undertaken in New Zealand and provides inter–gender comparison between male and female small business owners and for intra–gender contrast between networked female small business owners and women who did not belong to a business network. The results showed that the networked women, who were in the main better educated and more affiliative by nature, were more expansionist than both other female small business owners and men. The networked women were also more likely to have a business mentor. The findings confound earlier research suggesting women are less growth–orientated and wish only to satisfy intrinsic needs from their businesses. The article concludes by discussing the need to acknowledge the heterogeneity of female small business and what this means for policy–makers when assessing their socio–economic potential.     

An Empirical Analysis of Microcredit Repayment in Southwestern Nigeria

Abstract

This paper provides empirical analysis of microcredit repayment in Southwestern Nigeria. Multistage stratified random sampling procedure was used to collect data from 200 members of microfinance institutions (MFIs) in the study area. Linear multiple regression was used to determine the variables that affected microcredit repayment.

The mean weekly contribution of the members of microfinance nongovernmental organizations (NGOs) in groups was N = 772.62 and the mean borrowing was N = 23, 55.25 per annum. On the average, they pay 90 percent of their microcredit as at when due. The Fvalues indicated that the microcredit repayment model had good fit (p = 0.01) with an adjusted R² of f.36. The variables that significantly influence repayment: income, distance between dwelling place and bank, amount of business investment, socio-cultural expenses, amount of loan borrowed, access to business information, penalty for lateness to group meetings, membership of cooperative society, number of days between loan application and disbursement and poverty indicator were analyzed.

Poverty was found to hamper repayment. Nevertheless, the study supports findings that members of microfinance groups are creditworthy.     

Income characteristics and the use of microfinance services: evidence from economically active persons with disabilities

The purpose of this empirical research from Uganda is to provide initial insight into the ‘black box’ of understanding the economic behaviour of persons with disabilities and about their use of microfinance services. First, we analyse the income levels of persons with disabilities in relation to their sources of income. Second, we study the income sources and income levels for different types of disabilities. Finally, we analyse how income level and income source relate to the use of microfinance services for persons with disabilities. We present evidence that farmers with disabilities and persons with visual impairments have lower income levels than other persons with disabilities. We then document that those with the lowest income levels have the least access to microfinance services, in particular services from formal institutions. Moreover, respondents involved in farming and manufacturing have less access to formal microfinance services than those involved in retail/wholesale or service activities.     

Toward Understanding Another Gender Gap: How Women in Economic Development Perceive Access to Capital

This study uses survey data collected from members of the International Economic Development Council (IEDC) to assess gender differences in the perceptions of female economic developers involved in the policy process. The analysis reveals women are more likely than their male counterparts to believe access to capital serves as a barrier to economic development in the communities they serve. This finding is important because bureaucratic perceptions are anticipated to have a gendered dimension, because there is ample evidence that women-owned businesses less frequently obtain external financing than do those owned by men. This obstacle to growing a business may therefore resonate more strongly with female economic developers if their perceptions reflect experiences and socialization processes shared with the women they represent. Results of an ordinal logistic regression model support this contention and contribute to the study of economic development and the role of women in the policy process.     

Women’s microfinance participation and HIV literacy in Bangladesh: results from a nationally representative study

ABSTRACT

This study evaluated the association between microfinance participation and HIV literacy within a nationally representative sample of 3,614 married women aged 15–49 years from the Bangladesh Demographic and Health Survey, 2011. Using logistic regression, we assessed the relationship between microfinance participation and HIV literacy. Controlling for demographic factors such as wealth, age, and education, we found that microfinance participants were 30% more likely to be HIV literate, in comparison with women who did not participate in microfinance. These results suggest that microfinance is a cost-effective way to enhance HIV literacy for poor, less educated women in rural areas of Bangladesh.     

农民经商与市场分化——浙江义乌经验的表达

浙江义乌兴商的主体是农民,农民经商是义乌经验成功的关键因素。农民经商兴起的数据表现在乡办、村办、乡村联办三类经营单位均不及农民户办经营更有效率,而进一步的数据分析表明此结果与农民家庭本位合作制存在亲和性。家庭本位为资本发展提供动力功能,表征着东方与西方不同的现代化路径,由此回应了韦伯命题。     

Accessibility to micro-finance services by people with disabilities in Bushenyi District,Uganda

The Poverty Reduction Strategy of the Ugandan Government identified provision of microfinance as one of its interventions. Despite the known connection between poverty and people with disabilities, it remains unclear to what extent this intervention includes or accommodates them. This study seeks to gain a better understanding of how people with physical and sensory disabilities access existing microfinance services in the Bushenyi District of Uganda. Qualitative and quantitative methodologies are used. The findings suggest that people with disabilities are not necessarily denied access to microfinance if they meet the desired requirements. These relate to adequate savings or collateral and perceived trustworthiness. These are seen to be key determinants of success and can be linked to impaired functioning relating to limited mobility, distance, poorer access to information and disabled people’s own negative attitudes. Increasing access and utilization of microfinance services by people with disabilities requires formulation of financial policies that accord them special consideration. At the same time, improvement is needed in the knowledge, attitudes and skills of the people with disabilities themselves and also microfinance providers.     

The regulatory environment for migrant and women entrepreneurs

This study explores the impact of the underlying assumptions in the regulatory environments of two national contexts, Turkey and the Netherlands, on the entrepreneurship of Turkish women. It uses discourses on gender, ethnicity and entrepreneurship. The results indicate that these regulatory environments are immersed with male gendering ideology and give a secondary position to women and migrant entrepreneurs. Accordingly, women and migrant entrepreneurs are confined by the support provided to them by both governmental and non-governmental organizations. Turkish women entrepreneurs are restricted in networking; access to institutions; and funding by the programmes, initiatives or regulations that their enterprises receive support from. This study contributes to existing literature on migrant and women entrepreneurship by discursively analysing underlying assumptions regarding these groups in two different national contexts.     

Adjustment Strategy Use in Minority Family Businesses: Differences Across Gender

The objectives of this study were to explore the adjustment strategies employed by minority female owners of small family firms and to compare their use of adjustment strategies with those of their male counterparts. There were significant gender differences in the adoption of adjustment strategies among minority-owned family firms. The major findings of this study suggest that minority female business owners were more likely to reallocate family resources to help with business tasks and were more likely to intertwine both tasks than minority male business owners when demands were particularly great for the family or the firm. In addition, compared to male business owners, a relatively higher proportion of female business owners used volunteer help without pay during hectic times. Implications for business consultants and educators working with minority business owners are discussed.     

From Urban to Rural: Lessons for Microfinance from Argentina

The recent success of microfinance for the urban self‐employed contrasts with decades of failure on the part of public development banks for small farmers. This article describes the ways in which rural microfinance organisations have tried to adapt the lessons of urban microfinance to manage the risks and control the costs of the supply of financial services in rural areas. It then asks whether the lessons of urban microfinance are likely to apply in the poorest rural areas of Argentina. The article concludes that microfinance is unlikely to improve access to small loans and small deposits for many of the rural poor in Argentina; distances are too great, farmers too specialised, and wages too high. Improved access depends not on targeting loans by government decree but on strengthening institutions that support financial markets.     

Women’s participation in microfinance: Does it increase their control over resources?

This study drew on asset theory to explore the influence of microfinance participation on control over resources among women in Bangladesh. The association between microfinance participation and control over resources among women in Bangladesh was examined. Prevalence ratios were estimated for a sample of 9,614 women between the ages of 15 and 49 years drawn from the Bangladesh Demographic and Health Surveys of 2007, 2011, and 2014, controlling for potential confounders, including urban dwelling, the presence of wealth assets, exposure to media, the number of household members, gender of household head, religion, and demographic factors. The results showed that control over resources was positively associated with microfinance participation (PR = 1.03; p < 0.05), upholding asset theory’s prediction that asset accumulation—in this case via microfinance—enhances human capital.     

Does Internet access matter for rural industry? A case study of Jiangsu,China

This study examines the digital divide in rural Jiangsu, one of the most developed areas in China. First, it reveals that only a small portion of rural enterprises have access to the Internet, and the penetration rate of the Internet in rural enterprises of China is much lower than that in urban enterprises revealed by previous studies. Second, a significant digital divide exists between Southern Jiangsu on the one hand and Middle and Northern Jiangsu on the other hand. Indeed, the Internet penetration rate in Zhangjiagang is very close to that in urban enterprises. Thirdly, this study finds that large and old enterprises are more likely to have access to the Internet. Fourthly, Internet access demonstrates very strong and positive relationships with enterprises’ economic and innovative performance, though it is not clear whether or not the better performance at rural enterprises with Internet access comes from their usage of the Internet. The implication of the study is that governments should promote Internet usage among rural enterprises.     

Gendering Interprovincial Migration in China1

Migration is a gendered phenomenon, best understood as a series of relationships between socioeconomic factors and gender. Gender differences in migration efficiencies are investigated using the 1990 Census data in China. Results indicate that, although male migration rates are higher, female migration is more efficient in the sense that it contributes to greater population redistribution than male migration. Reflecting different economic and social roles, women are more likely to state social and family reasons for moving while men indicate economic motivations. In terms of the geography of movement, women are more sensitive than men to perceived and expected regional differences in economic opportunities, especially in rural areas. Job opportunities created in urban areas and by foreign enterprises are more attractive to male migrants. Development of light manufacturing industries and the benefits derived from the presence of previous migrants draw female more than male migrants.     

The Changing Experience of Australian Female Entrepreneurs

The study of female entrepreneurship is a dynamic field, with more women than men engaging in self‐employment in Australia, the United Kingdom and the United States. Prior research in this field has identified a series of factors which characterize entrepreneurs. This paper examines the extent to which the experiences of Australian women entrepreneurs are reflected in the prior research. In particular, emphasis is placed on whether the personal characteristics, educational levels, motivations for starting business and resource acquisition behaviour of contemporary Australian women entrepreneurs are reflected in the prior research. While many of the key findings of prior research were found to describe accurately the experience of Australian women entrepreneurs, three new factors have been identified. First, Australian women entrepreneurs have increasingly come from business education backgrounds compared to the predominantly liberal arts backgrounds reported elsewhere. Second, the reasons for establishing small business differ insofar as they represent a greater proportion of general business needs as well as personal internal needs. Third, Australian women entrepreneurs are moving away from traditional ’female industries‘ into sectors identified as ’male industries‘ such as manufacturing. Overall, Australian women entrepreneurs demonstrate similarities in their identifying characteristics; however, significant shifts are occurring in their behaviours.     

The risks and incentives of disciplinary neoliberal feminism: the case of microfinance

This article develops an analysis of the concept of disciplinary neo-liberal feminism through a focus on gendered poverty alleviation strategies and illustrates the value of this through a discussion of microfinance. By locating this study within an analysis of the expansion of global capital accumulation, the article argues that the liberal frameworks of female empowerment and entrepreneurialism that are central to these programs and to feminism in this form, mask their underlying political, social and economic objectives. In contrast, a Marxist Feminist approach more adequately explains the interplay of class and gender that underpins poverty alleviation strategies. This article argues that in the context of financial crisis and reduced social provision, women living in poverty in the Global South were identified as targets for the expansion of global finance. Their integration into global financial networks via microfinance and other pro-poor strategies has facilitated the expansion of markets for credit while at the same time disciplining market participation through the twin forces of risk and incentive. Disciplinary neo-liberal feminism has underpinned this incorporation of women into global capital accumulation creating profound effects for households and families, with microfinance programs representing important sites of contestation for the politics of class and gender.     

Challenging the gendered rhetoric of success? The limitations of women‐only mentoring for tackling gender inequality in the workplace

Mentoring is widely acknowledged to be an important contributor to women's career success and progression, but women often struggle to access mentoring networks that can help sponsor and develop their careers. Formal mentoring programmes designed specifically for women help overcome this challenge, but such schemes may at the same time reinforce masculine discourses which position women as deficient in relation to the invisibly male norm that is implicit within contemporary working practices. Drawing on a formal women‐only mentoring programme built on gender‐positive goals to empower women to ‘be the best they can be’ within the events industry, this article considers the extent to which such programmes can both challenge and reproduce gendered discourses of business and success. Interviews with mentors and mentees illustrate how such programmes make gender visible within business and individual careers, but masculinist underpinnings of organizational discourses remain invisible, unacknowledged and thus largely unchallenged.     

Managing organisational change: the "gendered" organisation of space and time

Although the Bangladesh Rural Advancement Committee (BRAC) maintains a strong commitment to gender equity in its anti-poverty programs, a conservative external environment often impedes efforts to make its organizational structure consistent with this commitment. For example, BRAC's approach to organizing its field operations has been to abolish the distinction between home and office. BRAC's female employees live with male colleagues in their rural offices, travel long distances on bicycles and motorcycles, and reject the sari--practices that are antithetical to the prevailing culture and place tremendous pressure on these field workers. The high work intensity, need to work beyond normal business hours, and lack of on-site child care subjects married female employees to hostility from their husbands and relatives. Single female employees are often regarded as unmarriagable because of their divergent life-styles. Although BRAC makes provisions for employees to take leave for family responsibilities, staff who access this benefit are viewed as more committed to family than their work. The sexual activities of female--but not male--employees are scrutinized. Despite these contradictions, BRAC's innovative arrangements model a new form of gender relations in rural areas. BRAC is enabling its young women employees to postpone marriage and demonstrate a nontraditional role. The extent to which BRAC should take responsibility for compensating for the constraints imposed on women by patriarchy remains problematic. Working conditions could be improved, however, by allowing women to be near their families, domesticating the work environment, and respecting women's personal lives.     

Beyond “Inherit It or Marry It”: Exploring How Women Engaged in Sustainable Agriculture Access Farmland

Despite an overall decrease in new farm operations, the number of women farm operators grew 30 percent between 2002 and 2007, with 300 percent growth since 1978. This research suggests, however, that opportunities for women have unfolded unevenly. We argue that women's opportunities to farm are affected by their social location and life course, suggesting that as their lives unfold across specific cultural and economic moments, different cohorts of women experience divergent opportunities to farm. Using in‐depth interviews with women engaged in sustainable farming in the Inland Northwest, this article examines how women access farmland. Our findings suggest three methods for access: (1) access through the traditional means of marrying a male farmer and then carving out space for one's self as a farmer; (2) access later in life after a life‐altering event like divorce and using personal financial means, such as retirement income or selling appreciated property; (3) access at a young age through the pooling of marital resources with a husband who works off the farm. Our research suggests that women's land access should not be presumed a progressive narrative and suggests the need for a more complex understanding of the challenges that women in agriculture face today despite their increased presence in farming.     

Evaluations of aggressive women: the effects of gender, socioeconomic status, and level of aggression

Research finds gender differences in aggression and suggests that female violence is viewed differently from male violence. Participants were 94 female and 38 male students from a mid-size public university in the Southeast. Participants read a mock trial and answered questions about their attitudes concerning an aggressor in the scenario. The study was a 2 (male or female) by 2 (high socioeconomic status or low socioeconomic status) by 2 (verbal aggression or physical aggression) between-subjects factorial design. The participants responded to a revised version of the Attitudes Toward Women Scale (Nelson, 1988). As hypothesized aggressive women were evaluated more negatively than aggressive men and participants evaluated the female aggressor who used physical aggression more negatively than the female who used verbal aggression. The hypothesis that the female aggressor would be perceived as more in need of counseling than the male aggressor was not supported. Contrary to another hypothesis, respondents did not evaluate higher socioeconomic status aggressors more negatively than those of lower status. As hypothesized people with traditional views of women evaluated the female aggressor more negatively than people with more liberal views of women, and liberal participants evaluated the male and female aggressors similarly. The more negative evaluation of female aggressors and, in particular, females who use physical aggression, may result in unfair treatment of such females. These social biases may cloud perceptions of aggressive females, suggesting that their actions are more inappropriate than those of a male who committed the same act.     

Evaluating mission drift in microfinance: lessons for programs with social mission

The article contributes to a better understanding of implications of scaling up on the social mission of microfinance programs. It proposes a methodology to measure the extent, if any, to which a microfinance program with a poverty alleviation mission drifts away from its mission during rapid scaling up and presents findings from a field research using the proposed methodology at Activists for Social Alternatives (ASA), a microfinance organization that serves poor women in rural India. The findings indicate that mission drift is not a result of deliberate decisions by the management or board but rather is a result of the challenges posed by the scaling-up process. At times, changing trends in social outcomes were not obvious, and management was not aware of the changes indicated by the proposed measures of social performance.