Are Pakistan's Women Entrepreneurs Being Served by the Microfinance Sector? - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Are Pakistan's Women Entrepreneurs Being Served by the Microfinance Sector? write by Mehnaz Safavian. This book was released on 2013-07-19. Are Pakistan's Women Entrepreneurs Being Served by the Microfinance Sector? available in PDF, EPUB and Kindle. Financial services are important for women who are starting and growing a business, but in Pakistan microfinance providers (MFPs) are not reaching Pakistan’s businesswomen. Only 59 percent of microfinance clients are women, yet the majority of these loans are passed on the male members of the household – husbands, fathers, and sons. The practice of passing on loans to male household members is quite widespread; women may be bearing all the transaction costs and risks of accessing loans, but are not the final beneficiaries. Second, a very low proportion of female microfinance clients are entrepreneurs. The report explores why businesswomen in Pakistan may not be using microfinance products to meet their start-up and working capital requirements, in spite of identifying access to finance as a key constraint to their business operations. Against this backdrop, access to finance remains the biggest challenge for a woman who wants to start or grow a business. Yet less than a quarter of the entrepreneurs identified through business development service providers were currently borrowing from microfinance lenders. Even among those entrepreneurs that borrow, dissatisfaction is high. Why? Women borrower-entrepreneurs are not able to access individual loan products, but instead are consistently relegated to group lending. But group loans are very costly for a woman who is running a business, and the loans are too small to fulfill working capital needs. Businesswomen are rarely given the opportunity to access individual loan products, which are usually offered exclusively to male borrowers, and women are not given opportunities to graduate from group loans to individual loans over time. Lending practices often are discriminatory, requiring husbands’ permission, male guarantors, and unmarried women are rarely considered as potential clients. Although MFIs understand that women’s inclusion is integral to the objectives of microfinance, the practice of passing on loans raises serious issues about consumer protection for women clients, and the best and most effective solutions to these challenges could and should come from the sector itself. Designing better products that reach the needs of emerging women entrepreneurs could prove to be good business, achieving double bottom-line objectives. Investing in financial literacy and education of both men and women borrowers can help curb the demand for pass-through loans and help lower risks associated with deceptive practices.
Access to Finance and the Role of Microfinance for Women Entrepreneurs in Pakistan
Access to Finance and the Role of Microfinance for Women Entrepreneurs in Pakistan - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Access to Finance and the Role of Microfinance for Women Entrepreneurs in Pakistan write by Samia Mahmood. This book was released on 2013. Access to Finance and the Role of Microfinance for Women Entrepreneurs in Pakistan available in PDF, EPUB and Kindle.
Entrepreneurship and Global Cities
Entrepreneurship and Global Cities - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Entrepreneurship and Global Cities write by Nikolai Mouraviev. This book was released on 2019-05-29. Entrepreneurship and Global Cities available in PDF, EPUB and Kindle. Global cities with a largely cosmopolitan environment, such as Auckland, Berlin, Dubai, London, New York, Shanghai or Singapore, are successfully developing and attracting entrepreneurs from all over the world. This book elucidates the policy approaches related to the formation of the cosmopolitan environment that supports entrepreneurship in large urban areas. The book’s core theme is the relationship between cosmopolitanism and entrepreneurship, with the latter viewed as a key driver of economic growth, sustainability and prosperity. The book argues that successful entrepreneurship rests on the two pillars of the cosmopolitan environment: diversity and the creation of business opportunities. In contrast to globalisation’s standardised solutions in policy, commerce, banking and social issues, cosmopolitanism allows individualised value and solutions, whereby actors—entrepreneurs, businesses, families, interest groups, governments, non-governmental organisations and virtual communities—enjoy diversity as a norm. The book pays special attention to under-researched topics, such as threats to sustainability in cosmopolitan cities; why cosmopolitan cities attract immigrants with a highly independent mindset; the impact of religious norms on female and male entrepreneurs; varying experiences of local and expatriate entrepreneurs; and the diff erences in doing business by female entrepreneurs, stemming from their nationalities and residence status. The book off ers conceptual insights into the enablers of entrepreneurship in cosmopolitan cities and urban governance, complemented by case studies based on fi eldwork in Dubai, Hamburg, Istanbul, Karachi, Kyiv, London, Moscow and Tel Aviv. The book will appeal to those who study or teach cosmopolitanism, globalisation or urban development concepts, and those professionals who are considering the possibility of doing business or working as an expatriate in a cosmopolitan city.
Sustainability and the Future of Work and Entrepreneurship for the Underserved
Sustainability and the Future of Work and Entrepreneurship for the Underserved - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Sustainability and the Future of Work and Entrepreneurship for the Underserved write by Rolle, JoAnn Denise. This book was released on 2022-06-24. Sustainability and the Future of Work and Entrepreneurship for the Underserved available in PDF, EPUB and Kindle. Disparity in the workplace has been exacerbated in recent years as society faces a number of challenges in promoting inclusion and equality across fields. To ensure appropriate steps are taken to move in the direction of a diverse and equitable future for the workforce, further study and consideration on the key challenges, opportunities, and strategies for advancing business policy to provide for the underserved is required. Sustainability and the Future of Work and Entrepreneurship for the Underserved highlights marginalized labor and entrepreneurial market segments and reviews strategies used to prepare for technological change globally. The book also provides a series of recommendations to assist in growing and sustaining a more inclusive global society. Covering a range of topics such as disparities, class challenges, and entrepreneurs, this reference work is crucial for policymakers, business owners, managers, researchers, academicians, scholars, instructors, and students.
Contextual Embeddedness of Women's Entrepreneurship
Contextual Embeddedness of Women's Entrepreneurship - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Contextual Embeddedness of Women's Entrepreneurship write by Shumaila Y. Yousafzi. This book was released on 2018-03-19. Contextual Embeddedness of Women's Entrepreneurship available in PDF, EPUB and Kindle. Contextual Embeddedness of Women’s Entrepreneurship brings together a range of research that provides powerful insights into the influences and restraints within a diverse set of gendered contexts including social, political, institutional, religious, patriarchal, cultural, family, and economic, in which female entrepreneurs around the world operate their businesses. In doing so, the contributing authors demonstrate not only the importance of studying the contexts in how they shape women’s entrepreneurial activities, but also how female entrepreneurs through their endeavours modify these contexts. Collectively, the edited collection’s studies make a substantial contribution to the contextual embeddedness of women’s entrepreneurial activity, provide numerous insights, and provoke fruitful directions for future research on the important role of the contexts in which women’s entrepreneurial activities take place. This innovative and wide-ranging research anthology seeks to reframe and redirect research on gender and entrepreneurship and will appeal to all those interested in learning more about female entrepreneurship.
