The effects of agent incentives and training of women business owners on the take-up of mobile financial services in Indonesia

2021 ◽  
Author(s):  
Gianmarco Leon ◽  
Erika Deserranno ◽  
Firman Witolear ◽  
Mayra Buvinic ◽  
Hillary C. Johnson ◽  
...  
Keyword(s):  
Financial Services ◽  
Business Owners ◽  
Women Business Owners ◽  
Mobile Financial Services ◽  
And Training

Empowering Small Businesses with Financial Technology: The Road Less Travelled

2021 ◽  
Vol 1 (1) ◽  
Author(s):  
Roksana Akter ◽  
◽  
Adrita Priyodarshini ◽  
Suborna Barua ◽  
Keyword(s):  
Financial Services ◽  
Small Businesses ◽  
Business Owners ◽  
Small Business Owners ◽  
Credit Management ◽  
Business Opportunity ◽  
The Road ◽  
Business Transactions ◽  
Mobile Financial Services ◽  
Financial Technology

Financial services remain untapped by most of the small business owners in Bangladesh. This limited access to mobile financial services and FinTech presents a business opportunity for the FinTech startups in the market. TallyKhata and Upayare digital financial services platforms visualizing to capture the untapped sector by becoming one of the first movers in the industry. This article has studied the cases of TallyKhata and Upay in empowering small businesses in Bangladesh through the services that have made business transactions and credit management hassle-free.

Fueling Women Empowerment?

2019 ◽  
Vol 15 (1) ◽  
pp. 75-88 ◽  
Author(s):  
Sarah Wali Qazi ◽  
Humair Ali Khushk
Keyword(s):  
Financial Services ◽  
Interpretative Phenomenological Analysis ◽  
Financial Stability ◽  
Research Strategy ◽  
Women Empowerment ◽  
Design Strategies ◽  
Mobile Financial Services ◽  
The Status ◽  
Familial Context ◽  
And Training

The purpose of this study is to explore the structural meaning of empowerment realized through microcredit from the women's perspective. Women-lived experiences have been gauged to see how they feel empowered when microcredit is selected as transformation for their lives; also identifying the status of branchless banking is in focus. Abductive research strategy with hermeneutics phenomenology for interpreting women interviews are applied. The participants were selected through purposive sampling, 46 were interviewed from 17 districts of Sindh, Pakistan. Through interpretative phenomenological analysis, interviews were analyzed; and meaning constructed that women with financial stability are empowered specifically in a familial context; also, results show that branchless banking like easy paisa and other mobile financial services are in emerging stage and there is desire need of it. Microfinance practitioners can design strategies, framework and training according to the specific needs noticed in this study.

scholarly journals Postfeminism, hybrid mumpreneur identities and the reproduction of masculine entrepreneurship

2021 ◽  
pp. 026624262110137
Author(s):  
Patricia Lewis ◽  
Nick Rumens ◽  
Ruth Simpson
Keyword(s):  
Power Relations ◽  
Business Owners ◽  
Study Data ◽  
Work Study ◽  
Hybrid Identity ◽  
Discursive Practices ◽  
Women Business Owners ◽  
Family And Work ◽  
The Creation ◽  
Analytical Device

Mobilising postfeminism as an analytical device, this article re-examines how women business owners discursively engage with the identity of the mumpreneur. Drawing on interviews with women business owners, this article reconceptualises the compatibility between motherhood and entrepreneurship associated with the mumpreneur, in terms of a hybrid identity that interlinks feminine and masculine behaviours connected to home and work. Study data reveal the discursive practices present in interview accounts – choosing family and work, strategic mumpreneurship and enhancing the business without limits – which draw on postfeminist discourses to constitute hybrid entrepreneurial femininities associated with the mumpreneur category. The article contributes to the gender and entrepreneurship literature, in particular, the scholarship on mumpreneurship, by first, showing how engagement with the mumpreneur identity is implicated in the reproduction of masculine entrepreneurship; second, demonstrates how encounters with the mumpreneur contribute to the creation of a hierarchy of entrepreneurial identities which reinforces the masculine norm; and third considers how the mumpreneur as a hybrid identity mobilises entrepreneurship in children in gendered ways. While the emergence of the mumpreneur as a contemporary entrepreneurial identity has positively impacted how women’s entrepreneurship is viewed, the study demonstrates that it has not disrupted dominant discourses of masculine entrepreneurship or gendered power relations in the entrepreneurial field.

scholarly journals The value of in-person banking: evidence from U.S. small businesses

2021 ◽  
Author(s):  
Song Zhang ◽  
Liang Han ◽  
Konstantinos Kallias ◽  
Antonios Kallias
Keyword(s):  
Interest Rates ◽  
Interpersonal Communication ◽  
Rural Areas ◽  
Financial Services ◽  
Small Businesses ◽  
Business Owners ◽  
Soft Information ◽  
Face To Face ◽  
Treatment Effect Models ◽  
The U.S

AbstractWe produce the first systematic study of the determinants and implications of in-person banking. Using survey data from the U.S., we show that firms which are informationally opaque or operate in rural areas are liable to contact their primary bank in-person. This tendency extends to older, less educated, and female business owners. We find that a relationship based on face-to-face communication, on average, lasts 17.88 months longer, spans a wider range of financial services, and is more likely to be exclusive. The associated loans mature 3.37 months later and bear interest rates which are 11 basis points lower. For good quality firms, in-person communication also relates to less discouraged borrowing. These results are robust to multiple approaches for endogeneity, including recursive bivariate probits, treatment effect models, and instrumental variables regressions. Overall, our findings offer empirical grounding to soft information theory and a note of caution to banks against suppressing channels of interpersonal communication.

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