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Zur Finanzierungssituation von jungen Unternehmen: Eine genderspezifische Analyse

Author

Listed:
  • Kay, Rosemarie
  • Nielen, Sebastian
  • Bijediçc-Krumm, Teita
  • Butkowski, Olivier K.
  • Reiff, Annika

Abstract

Die Nutzung einiger Finanzierungsquellen wird davon beeinflusst, ob der Leitung eines jungen Unternehmens Frauen angehören. So zeigen Analysen auf Basis des IAB/ZEW Gründungspanels und ergänzende Expertinneninterviews, dass rein frauengeführte Unternehmen Bankkredite seltener nutzen als rein männer- und gemischtgeschlechtlich geführte Unternehmen. Demgegenüber greifen frauengeführte Unternehmen häufiger auf öffentliche Förderung sowie Freunde und Familie zurück, während Risikokapital häufiger von männergeführten Unternehmen genutzt wird. Frauen- und männergeführte junge Unternehmen haben gleich häufig Probleme bei der Beschaffung von Bankkrediten. Die geringere Nutzung von Bankkrediten seitens frauengeführter Unternehmen beruht vielmehr auf Selbstrationierung, das heißt, sie verzichten häufiger als männergeführte Unternehmen von vornherein auf die Beantragung eines Kredits, weil sie dessen Ablehnung erwarten.

Suggested Citation

  • Kay, Rosemarie & Nielen, Sebastian & Bijediçc-Krumm, Teita & Butkowski, Olivier K. & Reiff, Annika, 2025. "Zur Finanzierungssituation von jungen Unternehmen: Eine genderspezifische Analyse," IfM-Materialien 309, Institut für Mittelstandsforschung (IfM) Bonn.
    • Handle: RePEc:zbw:ifmmat:313011
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    More about this item

    Keywords

    Finanzierung; Finanzierungsschwierigkeiten; Selbstrationierung; frauengeführte Unternehmen; Financing; financing difficulties; self-rationing; women-led businesses;
    All these keywords.

    JEL classification:

    • D22 - Microeconomics - - Production and Organizations - - - Firm Behavior: Empirical Analysis
    • G30 - Financial Economics - - Corporate Finance and Governance - - - General
    • J16 - Labor and Demographic Economics - - Demographic Economics - - - Economics of Gender; Non-labor Discrimination

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