The impact of gender on SME characteristics and access to debt finance in South Africa
This study aimed to determine whether South African small and medium enterprises (SMEs) are affected by gender differences in demand for debt and its availability. It also looked at whether there are gender differences in the firm and entrepreneurial characteristics of SMEs. The study was conducted by means of a survey using a self-administered questionnaire and statistical analyses that included descriptive statistics, a t-test and a logistic regression. Significant gender differences were found in SMEs' demand for debt finance but only insignificant differences in availability. The findings also revealed significant gender differences in some of the firm and entrepreneurial characteristics of SMEs. It appears that for SME owners in South Africa gender differences exist in the demand for debt finance but not in its availability. The policy recommendation is that commercial banks, government agencies and non-governmental organisations should aim to help and encourage female SME owners to apply for debt finance.
If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
As the access to this document is restricted, you may want to look for a different version under "Related research" (further below) or search for a different version of it.
Volume (Year): 29 (2012)
Issue (Month): 3 (September)
|Contact details of provider:|| Web page: http://www.tandfonline.com/CDSA20|
|Order Information:||Web: http://www.tandfonline.com/pricing/journal/CDSA20|
When requesting a correction, please mention this item's handle: RePEc:taf:deveza:v:29:y:2012:i:3:p:448-461. See general information about how to correct material in RePEc.
For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Michael McNulty)
If references are entirely missing, you can add them using this form.