Credit availability for Tanzania’s small businesses: a gender perspective

Simple item page
dc.contributor.authorLotto, Josephat
dc.date.accessioned2020-10-23T10:22:03Z
dc.date.available2020-10-23T10:22:03Z
dc.date.issued2016
dc.descriptionJournal Articlesen_US
dc.description.abstractThe purpose of this study was to examine whether firm and owners’ characteristics are driven by gender and whether gender is attributable to credit accessibility in small and locally-owned firms in Tanzania. The study uses data collected from 400 small businesses through questionnaires and interviews and analyses it using univariate and multivariate statistical tools The findings show that female owners are less educated, have less work experiences and their firms are relatively smaller and younger than in the case for males. Moreover, female-owned firms were more likely to be organised as sole proprietorship or partnerships. Also the findings indicate that female-owned firms are more likely to have a need for credit during the three years prior to the survey. Nevertheless, when it comes to applying for credit, male owners were more likely to apply for credit than their counterpart female owners. Surprisingly, the credit applications of female-owned firms were more likely to be approved than those from the male-owned firms. The results suggest that policy-makers and regulators should not use the “one-size-fits all” approach when setting policies for the growth and survival of small firms due to the differences in firm and owners’ characteristics with regard to credit accessibility between male and female-owned firms. Furthermore, the results imply that when formulating policies for credit accessibility the issues of size and gender are pertinent. On the whole, the study contributes to the extensive literature on gender and entrepreneurship for a specific Tanzanian context.en_US
dc.identifier.issn0856-2253
dc.identifier.issn2546-213X
dc.identifier.urihttp://154.72.94.133:8080/xmlui/handle/123456789/127
dc.language.isoenen_US
dc.publisherBusiness Management Reviewen_US
dc.subjectGender, Accessibility, Credit, SMEsen_US
dc.titleCredit availability for Tanzania’s small businesses: a gender perspectiveen_US
dc.typeArticleen_US

Files

Original bundle

Now showing 1 - 1 of 1
Thumbnail Image
Name:
Credit Availability for Tanzania’s Small Businesses a Gender Perspective.pdf
Size:
600.93 KB
Format:
Adobe Portable Document Format
Description:
Download

License bundle

Now showing 1 - 1 of 1
No Thumbnail Available
Name:
license.txt
Size:
1.71 KB
Format:
Item-specific license agreed upon to submission
Description:
Download

Collections

Journal Articles