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KURUMSAL FİNANSMANA ERİŞİM NOKTASINDA KADIN GİRİŞİMCİLERİ ETKİLEYEN FAKTÖRLERİN İNCELENMESİ

Year 2023, Volume: 24 Issue: 3, 498 - 514, 25.09.2023

Salim Sercan Sarı Turgut Karabulut

https://doi.org/10.53443/anadoluibfd.1278315

Abstract

Kadın girişimciler ekonomik hayata dâhil olmak istediklerinde bir takım avantaj ve dezavantajlarla karşı karşıya kalmaktadırlar. Özellikle finansmana erişim konusunda karşılaşılan problemler hem girişimlerin büyümesini hem de kadın girişimcilerin ekonomik hayata katılımını güçleştirmektedir. Kadın girişimcilerin çalışma hayatında yer alabilmesi ve ülkenin ekonomik kalkınmasına katkı sağlayabilmesi için kurumsal finansmana erişimlerinin sağlanması oldukça önemlidir. Yapılan çalışma ile Türkiye’de kadın girişimcilerin finansmana erişimini etkileyen faktörler incelenmiştir. Araştırmada hedeflenen sonuçlara ulaşabilmek için Erzincan İl’inde faaliyet gösteren 121 kadın girişimciye anket yapılarak veri toplanmıştır. Önerilen verileri değerlendirmek için çalışmada faktör analizi, bağımsız örneklem t testi ve tek yönlü varyans analizi kullanılmıştır. Elde edilen bulgulara göre kadın girişimcilerin kurumsal finansmana erişimde yaşadıkları zorlukların sırası ile şüphecilik, güçlük, teminat anlaşmazlığı ve uzun süreç, koruma tutumu ve ön yargı olarak gerçekleştiği tespit edilmiştir.

Keywords

Girişimcilik Kadın Girişimci Kurumsal Finansman Finansmana Erişim

References

  • Abubakar, H. A. (2015). Entrepreneurship development and financial literacy in Africa. World Journal of Entrepreneurship, Management and Sustainable Development, 11(4), 281-294.
  • Alsos, G. A., Isaksen, E. J. & Ljunggren, E. (2006). New venture financing and subsequent business growth in men–and women–led businesses. Entrepreneurship Theory and Practice, 30(5), 667-686.
  • Andriamahery, A., & Qamruzzaman, M. (2022). Do access to finance, technical know-how, and financial literacy offer women empowerment through women’s entrepreneurial development? Frontiers in Psychology, 12, 1-16.
  • Babu, C., & Kasilingam, R. (2013). Reasons for micro entrepreneurs not getting institutional finance. Srusti Management Review, 6(2), 1-12.
  • Carter, N., Brush, C., Greene, P., Gatewood, E., & Hart, M. (2003). Women entrepreneurs who break through to equity financing: the influence of human, social and financial capital. Venture Capital: An International Journal of Entrepreneurial Finance, 5(1), 1-28.
  • Cesaroni, F. M. & Sentuti, A. (2016). Economic crisis, women entrepreneurs and bank loans: Some empirical evidence from Italy. Economic Research-Ekonomska Istraživanja, 29(1), 1050-1061.
  • Chowdhury, T. Y., Yeasmin, A. & Ahmed, Z. (2018). Perception of women entrepreneurs to accessing bank credit. Journal of Global Entrepreneurship Research, 8(1), 1-16.
  • Coleman, S. & Robb, A. (2009). A comparison of new firm financing by gender: evidence from the Kauffman Firm Survey data. Small Business Economics, 33(4), 397-411.
  • Constantinidis, C., Cornet, A., & Asandei, S. (2006). Financing of women-owned ventures: The impact of gender and other owner-and firm-related variables. Venture Capital, 8(2), 133-157.
  • Ghosh P. K., Ghosh S. K., & Chowdhury S. (2018) Factors hindering women entrepreneurs’ access to institutional finance- an empirical study. Journal of Small Business & Entrepreneurship, 30(4), 279-291,
  • Gürünlü, M. (2018). Davranışsal finans teorisi perspektifinden kurumsal finansman kararları. İşletme Araştırmaları Dergisi, 10(3), 80-94.
  • Hanişoğlu, G. S., & Özgür, G. (2021). Türkiye’de kadın girişimcilerin ve finansman alternatiflerinin analizi. Beykent Üniversitesi Sosyal Bilimler Dergisi, 14(1), 36-45.
  • Itani, H., Sidani, Y. M., & Baalbaki, I. (2011). United Arab Emirates female entrepreneurs: motivations and frustrations. Equality Diversity and Inclusion: An International Journal, 30(5), 409-424.
  • Karagöz. Y. (2019). SPSS - AMOS - META uygulamalı istatistiksel analizler (2. baskı). Ankara: Nobel Akademik Yayıncılık.
  • Khaleque, A. (2018). Performance of women entrepreneurs: Does access to finance really matter?. Eurasian Journal of Business and Economics, 11(21), 23-48.
  • Kumar, B., & Sharma, R. (2022). Institutional finance for rural development–A study with special reference to Korba district of Chhattisgarh. Multidiciplinary and Multilingual Research Journal, 877-882.
  • Kwong, C., Jones‐Evans, D., & Thompson, P. (2012). Differences in perceptions of access to finance between potential male and female entrepreneurs: Evidence from the UK. International Journal of Entrepreneurial Behavior & Research, 18(1), 75-97.
  • Magoulios, G. & Kydros, D. (2011). Women entrepreneurship: Problems and means of finance. MIBES Transactions, 5(2), 50-66.
  • Niethammer, C., Saeed, T., Mohamed, S. S. & Charafi, Y. (2007). Women entrepreneurs and access to finance in Pakıstan. Women's Policy Journal of Harvard, 4, 1-12.
  • Rouse, J. & Jayawarna, D. (2006). The financing of disadvantaged entrepreneurs: are enterprise programmes overcoming the finance gap?. International Journal of Entrepreneurial Behavior & Research, 12(6), 388-400.
  • Suresh, L. (2019). A Study on institutional finance to entrepreneurs through TIIC. Think India Journal, 22(10), 3602-3605.
  • Villaseca, D., Navío-Marco, J., & Gimeno, R. (2020). Money for female entrepreneurs does not grow on trees: Start-ups’ financing implications in times of COVID-19. Journal of Entrepreneurship in Emerging Economies, 13(4), 698-720.
  • Witbooi, M., & Ukpere, W. (2011). Indigenous female entrepreneurship: Analytical study on access to finance for women entrepreneurs in South Africa. African Journal of Business Management, 5(14), 5646.
  • Startsupswatch. (t.y). Startsupswatch. https://startups.watch/startups adresinden erişildi.

EXAMINING THE FACTORS AFFECTING WOMEN ENTREPRENEURS’ ACCESS TO INSTITUTIONAL FINANCE

Year 2023, Volume: 24 Issue: 3, 498 - 514, 25.09.2023

Salim Sercan Sarı Turgut Karabulut

https://doi.org/10.53443/anadoluibfd.1278315

Abstract

When women entrepreneurs want to be included in economic life, they face a number of advantages and disadvantages. Especially the problems encountered in access to finance make it difficult for women entrepreneurs to participate in economic life. It is very significant to provide those women entrepreneurs have access to institutional finance so that they can take part in the working life and contribute to the economic development of the country. In this research, the factors affecting the access of women entrepreneurs to finance in Türkiye were examined. The population of the research is 121 women entrepreneurs operational in the province of Erzincan, and data was collected by conducting a survey on these people. Factor analysis, independent sample t-test and one-way analysis of variance were used in the study to evaluate the obtained data. With respect to the findings, it was determined that the order of difficulties experienced by women entrepreneurs in accessing institutional finance is as follows: suspiciousness, difficulty, collateral dispute and long process, protection attitude and prejudice.

Keywords

Entrepreneurship Women Entrepreneurs Institutional Finance Access to Finance

References

  • Abubakar, H. A. (2015). Entrepreneurship development and financial literacy in Africa. World Journal of Entrepreneurship, Management and Sustainable Development, 11(4), 281-294.
  • Alsos, G. A., Isaksen, E. J. & Ljunggren, E. (2006). New venture financing and subsequent business growth in men–and women–led businesses. Entrepreneurship Theory and Practice, 30(5), 667-686.
  • Andriamahery, A., & Qamruzzaman, M. (2022). Do access to finance, technical know-how, and financial literacy offer women empowerment through women’s entrepreneurial development? Frontiers in Psychology, 12, 1-16.
  • Babu, C., & Kasilingam, R. (2013). Reasons for micro entrepreneurs not getting institutional finance. Srusti Management Review, 6(2), 1-12.
  • Carter, N., Brush, C., Greene, P., Gatewood, E., & Hart, M. (2003). Women entrepreneurs who break through to equity financing: the influence of human, social and financial capital. Venture Capital: An International Journal of Entrepreneurial Finance, 5(1), 1-28.
  • Cesaroni, F. M. & Sentuti, A. (2016). Economic crisis, women entrepreneurs and bank loans: Some empirical evidence from Italy. Economic Research-Ekonomska Istraživanja, 29(1), 1050-1061.
  • Chowdhury, T. Y., Yeasmin, A. & Ahmed, Z. (2018). Perception of women entrepreneurs to accessing bank credit. Journal of Global Entrepreneurship Research, 8(1), 1-16.
  • Coleman, S. & Robb, A. (2009). A comparison of new firm financing by gender: evidence from the Kauffman Firm Survey data. Small Business Economics, 33(4), 397-411.
  • Constantinidis, C., Cornet, A., & Asandei, S. (2006). Financing of women-owned ventures: The impact of gender and other owner-and firm-related variables. Venture Capital, 8(2), 133-157.
  • Ghosh P. K., Ghosh S. K., & Chowdhury S. (2018) Factors hindering women entrepreneurs’ access to institutional finance- an empirical study. Journal of Small Business & Entrepreneurship, 30(4), 279-291,
  • Gürünlü, M. (2018). Davranışsal finans teorisi perspektifinden kurumsal finansman kararları. İşletme Araştırmaları Dergisi, 10(3), 80-94.
  • Hanişoğlu, G. S., & Özgür, G. (2021). Türkiye’de kadın girişimcilerin ve finansman alternatiflerinin analizi. Beykent Üniversitesi Sosyal Bilimler Dergisi, 14(1), 36-45.
  • Itani, H., Sidani, Y. M., & Baalbaki, I. (2011). United Arab Emirates female entrepreneurs: motivations and frustrations. Equality Diversity and Inclusion: An International Journal, 30(5), 409-424.
  • Karagöz. Y. (2019). SPSS - AMOS - META uygulamalı istatistiksel analizler (2. baskı). Ankara: Nobel Akademik Yayıncılık.
  • Khaleque, A. (2018). Performance of women entrepreneurs: Does access to finance really matter?. Eurasian Journal of Business and Economics, 11(21), 23-48.
  • Kumar, B., & Sharma, R. (2022). Institutional finance for rural development–A study with special reference to Korba district of Chhattisgarh. Multidiciplinary and Multilingual Research Journal, 877-882.
  • Kwong, C., Jones‐Evans, D., & Thompson, P. (2012). Differences in perceptions of access to finance between potential male and female entrepreneurs: Evidence from the UK. International Journal of Entrepreneurial Behavior & Research, 18(1), 75-97.
  • Magoulios, G. & Kydros, D. (2011). Women entrepreneurship: Problems and means of finance. MIBES Transactions, 5(2), 50-66.
  • Niethammer, C., Saeed, T., Mohamed, S. S. & Charafi, Y. (2007). Women entrepreneurs and access to finance in Pakıstan. Women's Policy Journal of Harvard, 4, 1-12.
  • Rouse, J. & Jayawarna, D. (2006). The financing of disadvantaged entrepreneurs: are enterprise programmes overcoming the finance gap?. International Journal of Entrepreneurial Behavior & Research, 12(6), 388-400.
  • Suresh, L. (2019). A Study on institutional finance to entrepreneurs through TIIC. Think India Journal, 22(10), 3602-3605.
  • Villaseca, D., Navío-Marco, J., & Gimeno, R. (2020). Money for female entrepreneurs does not grow on trees: Start-ups’ financing implications in times of COVID-19. Journal of Entrepreneurship in Emerging Economies, 13(4), 698-720.
  • Witbooi, M., & Ukpere, W. (2011). Indigenous female entrepreneurship: Analytical study on access to finance for women entrepreneurs in South Africa. African Journal of Business Management, 5(14), 5646.
  • Startsupswatch. (t.y). Startsupswatch. https://startups.watch/startups adresinden erişildi.
There are 24 citations in total.

Details

Primary Language English
Subjects Finance
Journal Section Araştırma Makalesi
Authors

Salim Sercan Sarı 0000-0003-2607-5249

Turgut Karabulut 0000-0001-8434-3614

Publication Date September 25, 2023
Submission Date April 6, 2023
Published in Issue Year 2023 Volume: 24 Issue: 3

Cite

APA Sarı, S. S., & Karabulut, T. (2023). EXAMINING THE FACTORS AFFECTING WOMEN ENTREPRENEURS’ ACCESS TO INSTITUTIONAL FINANCE. Anadolu Üniversitesi İktisadi Ve İdari Bilimler Fakültesi Dergisi, 24(3), 498-514. https://doi.org/10.53443/anadoluibfd.1278315
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