FEMALE ENTREPRENEURSHIP AND ACCESS TO BANK LOANS IN TANZANIA: A DOUBLE-HURDLE MODEL APPROACH
Aurora Teixeira () and
Halima Abdi Sharifu
Additional contact information
Halima Abdi Sharifu: Faculdade de Economia do Porto, Universidade do Porto, Porto, Portugal
Journal of Developmental Entrepreneurship (JDE), 2017, vol. 22, issue 03, 1-29
The present study assesses the perceptions of female entrepreneurs in Tanzania regarding the access to bank loans and the difficulties experienced in the process of financing their businesses. Focusing on small-scale businesses, face-to-face interviews were conducted with 75 female entrepreneurs from the Dar es Salaam area. Resorting to double-hurdle estimation models, we conclude that: 1) women who perceive higher discrimination and/or inequality in accessing bank loans, but who also recognize that female entrepreneurs often lack relevant business skills, tend to apply more often for bank loans; 2) women running larger business, operating in the tailoring industry, face fewer difficulties; 3) although highly educated female entrepreneurs apply less for bank loans, formal education acts as a shield to the difficulties faced by women when applying to bank loans; 4) more autonomous and money seeking female entrepreneurs are less likely to report difficulties during the bank loan application process.
Keywords: Female entrepreneurship; bank loans; gender inequality; gender discrimination; Tanzania (search for similar items in EconPapers)
References: View references in EconPapers View complete reference list from CitEc
Citations: Track citations by RSS feed
Downloads: (external link)
Access to full text is restricted to subscribers.
This item may be available elsewhere in EconPapers: Search for items with the same title.
Export reference: BibTeX
RIS (EndNote, ProCite, RefMan)
Persistent link: https://EconPapers.repec.org/RePEc:wsi:jdexxx:v:22:y:2017:i:03:n:s1084946717500194
Ordering information: This journal article can be ordered from
Access Statistics for this article
Journal of Developmental Entrepreneurship (JDE) is currently edited by Peter Koveos
More articles in Journal of Developmental Entrepreneurship (JDE) from World Scientific Publishing Co. Pte. Ltd.
Bibliographic data for series maintained by Tai Tone Lim ().