scholarly journals Access to Finance in Sub-Saharan Africa: Is There a Gender Gap?

2013 ◽  
Vol 47 ◽  
pp. 102-120 ◽  
Author(s):  
Reyes Aterido ◽  
Thorsten Beck ◽  
Leonardo Iacovone
Keyword(s):  
Gender Gap ◽  
Sub Saharan Africa ◽  
Access To Finance ◽  
Sub Saharan

scholarly journals Access to Credit by Firms in Sub-Saharan Africa: How Relevant is Gender?

2013 ◽  
Vol 103 (3) ◽  
pp. 293-297 ◽  
Author(s):  
Elizabeth Asiedu ◽  
Isaac Kalonda-Kanyama ◽  
Leonce Ndikumana ◽  
Akwasi Nti-Addae
Keyword(s):  
Developing Countries ◽  
Gender Gap ◽  
Sub Saharan Africa ◽  
Financing Constraints ◽  
Developing Regions ◽  
Access To Finance ◽  
Econometric Estimation ◽  
Access To Credit ◽  
Sub Saharan ◽  
Using Data

The literature on the determinants of firms' financing constraints has paid little attention to gender as a determinant of access to finance. Using data for 34,342 firms from 90 developing countries, the paper analyzes the determinants of firms' financing constraints and assesses whether female-owned firms are more financially constrained than male-owned businesses. The results show that female-owned firms in sub-Saharan Africa are more likely to be financially constrained than male-owned firms, but there is no gender gap in other developing regions. The gender gap in sub-Saharan Africa is robust to variations in specifications and econometric estimation procedures.

scholarly journals Impacts of Bank Competition, Financial Stability, and Gender Gap on Access to Finance: Evidence From Sub-Saharan Africa

2021 ◽  
Author(s):  
Bijoy Rakshit
Keyword(s):  
Market Power ◽  
Gender Gap ◽  
Financial Stability ◽  
Probit Model ◽  
Policy Implications ◽  
Sub Saharan Africa ◽  
Bank Competition ◽  
Access To Finance ◽  
Sub Saharan ◽  
And Gender

Abstract Using a dataset of 12504 firms from World Bank Enterprise Survey (WBES), this paper investigates the role of bank competition, financial stability and gender gap in access to finance in Sub-Saharan Africa. We empirically test the existence of market power hypothesis according to which pro-competitive policies alleviate credit constraints from the banking industry. Results obtained through probit model and probit model of sample selection (PSS) confirm that a higher degree of market power negatively affected firm financing in the region. Findings further reveal that the lower rate of female ownership partnerships creates difficulties in obtaining formal finance for female entrepreneurs. Financial stability does not affect access to finance in SSA as indicated by the estimation results. We discuss several policy implications for the region.JEL Classification: D22 . G20 . L11

Breaking the Metal Ceiling

2018 ◽  
Author(s):  
Francisco Campos ◽  
Markus Goldstein ◽  
Laura McGorman ◽  
Ana Maria Munoz Boudet ◽  
Obert Pimhidzai
Keyword(s):  
Labour Market ◽  
Gender Gap ◽  
Role Models ◽  
Occupational Segregation ◽  
Gender Segregation ◽  
Sub Saharan Africa ◽  
Small Enterprises ◽  
Labour Market Participation ◽  
Female Labour Market Participation ◽  
Sub Saharan

Evidence from developed and developing countries indicates that there is significant gender segregation within the labour market, with women more likely to work in low-productivity sectors or less profitable businesses. This chapter looks at occupational segregation which significantly contributes to the earnings gender gap worldwide. The chapter studies the differences in outcomes for male and female enterprises and their sectors in sub-Saharan Africa, a region of high female labour market participation and entrepreneurship. Data on Uganda show that women breaking into male-dominated sectors make as much as men, and three times more than women staying in female-dominated sectors. Factors including entrepreneurial skill/abilities and credit/human capital constraints do not explain women’s sectoral choices. However, information about profitability of their small enterprises, male role models’ influence, and exposure to the sector from family and friends are critical in helping women circumvent or overcome norms undergirding occupational segregation.

ICT Is Not Gender Blind

2016 ◽  
pp. 174-193 ◽  
Author(s):  
Adamkolo Mohammed Ibrahim ◽  
Mohammed Alhaji Adamu
Keyword(s):  
Gender Gap ◽  
Gender Disparity ◽  
Sub Saharan Africa ◽  
Research Findings ◽  
Software And Hardware ◽  
Sub Saharan ◽  
Gender Based ◽  
And Gender ◽  
Online Library ◽  
Developed World

This chapter critically reviewed literature on gender disparity associated with access and usage of ICT, focusing on the less developed world, especially Sub-Saharan Africa. The authors used relevant online literature sourced from research databases such as Google Scholar, Elsevier and Wiley Online Library. With the aid of graphical illustrations, the chapter aligned its argument with some critical global research findings regarding gender-based mobile phone and Internet usage and the concept of ICT and gender. The chapter concluded that ICT gender gap negatively affects the socio-economic development of women, and recommended that ICTs manufacturers should integrate gender-balanced software and hardware right at the time of production of the technologies.

scholarly journals The Role of Feminist Standpoint and Intersectionality Epistemologies in Providing Insights into the Causes of Gender Disparity in Higher Education

2018 ◽  
Vol 6 (1) ◽  
pp. 19
Author(s):  
Enyonam Brigitte Norgbey
Keyword(s):  
Higher Education ◽  
Gender Gap ◽  
Critical Role ◽  
Gender Disparity ◽  
Gender Disparities ◽  
Sub Saharan Africa ◽  
Clear Understanding ◽  
Theoretical Frameworks ◽  
Feminist Standpoint ◽  
Sub Saharan

Higher education plays a critical role in society’s development, particularly in the current era of globalization in which knowledge-based innovations are critical for development. However, women’s underrepresentation in higher education remains a persistent issue of concern, particularly, in sub-Saharan Africa. The gender gap in higher education is created by complex interconnected sets of deep-rooted factors. A clear understanding of the underlying causes of gender inequality in higher education is necessary to develop effective interventions to overcome this disparity. Feminist standpoint and feminist intersectionality epistemologies have been used to provide insights into gender disparities in higher education. Drawing on existing published literature, I will discuss the conceptual and theoretical frameworks of these two feminist epistemologies and explore the methodological implications of these epistemologies for critically examining gender disparities in higher education in the context of sub-Saharan Africa. Keywords: epistemology, feminism, gender, higher education, intersectionality

Start a Business, Get a Credit, Make an Impact

2020 ◽  
Vol 12 (2) ◽  
pp. 29-47
Author(s):  
Sergey Samoilenko ◽  
Kweku-Muata Osei-Bryson
Keyword(s):  
Small And Medium Enterprises ◽  
Sub Saharan Africa ◽  
Necessary Condition ◽  
Sufficient Condition ◽  
Access To Finance ◽  
Access To Credit ◽  
Sub Saharan ◽  
Multi Method Approach ◽  
Medium Enterprises ◽  
Method Approach

It is well known that small and medium enterprises (SME) are important drivers of economic growth, particularly in the countries of Sub-Saharan Africa (SSA). However, typically many SMEs operate as informal enterprises which limits their access to finance. Access to appropriate levels of credit (i.e., get credit) is generally a necessary condition but not sufficient condition for improvement in socio-economic outcomes (i.e., make impact). Thus, improving access to credit is still a desirable goal. This paper uses a DEA-based multi-method approach to explore the “ICT Capabilities & Going Legit & Get Credit & Make Impact” path. The results show that there are statistically significant links between ICT Capabilities and legitimization of SMEs (i.e., going legit), ICT capabilities and get credit, and going legit and get credit. Given this desirability of improving access to credit (i.e., get credit), these results suggest that the increasing the level ICT capabilities should result in increases in the levels of going legit and get credit.

ICT for Improving Financial Access in Informal Sector

2018 ◽  
Vol 7 (2) ◽  
pp. 17-30
Author(s):  
Mwanaidi Shafii Msuya
Keyword(s):  
Communication Technology ◽  
Informal Sector ◽  
Economies Of Scale ◽  
Sub Saharan Africa ◽  
Access To Finance ◽  
Digital Revolution ◽  
Digital World ◽  
Information And Communication ◽  
Sub Saharan ◽  
Formal Finance

Access to finance is an important factor for the sustainability and growth of business. Lack of finance means that, the business will operate under-optimal and cannot enjoy economies of scale. This article explores the difficulties of informal sector access to formal finance. The author offers means by which information and communication technology (ICT) can help bridge that gap. The study carried out asystematic literature review where several articles from Sub-Saharan Africa were reviewed. The findings show that access to finance is constrained by information asymmetry, lack of collateral, business informality, and bureaucratic procedures for accessing finance. ICT has potential to overcome these challenges by streamlining information flow, providing online collateral registration and reducing administrative processes for loan processing, disbursement and repayment. The findings suggest that, despite the big digital revolution in Africa, little has been done to align the digital world with the challenges of the informal sector.

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