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  • 1
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    Online Resource
    Gender bias in SME lending : experimental evidence from Turkey (2019)
    [Washington, DC, USA] : World Bank Group, Africa Gender Innovation Lab & Finance, Competitiveness and Innovation Global Practice
    Details
    Language: English
    Pages: 1 Online-Ressource (circa 28 Seiten) , Illustrationen
    Series Statement: Policy research working paper 9100
    Series Statement: World Bank E-Library Archive
    Series Statement: Policy research working paper
    Parallel Title: Erscheint auch als Alibhai Salman Gender Bias In SME Lending: Experimental Evidence From Turkey
    Keywords: Graue Literatur
    Abstract: Gender disparities in small and medium-size enterprise lending exist around the world and impede the growth of millions of women-led firms. This paper examines a potential driver of these disparities: gender-biased loan officers. Officer bias is measured through a novel loan application experiment conducted with 77 loan officers in Turkish banks. The analysis finds that 35 percent of the loan officers are biased against female applicants, with women receiving loan amounts USD14,000 lower on average compared with men. Experience in the banking sector can attenuate this bias, with each year of experience reducing gender biased loan allocations by 6 percent. The results suggest that loan officers may use gender bias as a heuristic device given limited information and risk aversion. Helping newly recruited and lesser experienced loan officers to better discern loan application quality may thus improve financing of business loans to women and reduce gender gaps in entrepreneurship
    DOI: 10.1596/1813-9450-9100
    URL: lizenzpflichtig
    URL: Deutschlandweit zugänglich
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    MPI Ethno. Forsch.
  • 2
    Online Resource
    Online Resource
    Full esteem ahead? : mindset-oriented business training in Ethiopia (2019)
    Washington, DC, USA : World Bank Group, Africa Region, Africa Gender Innovation Lab & Finance, Competitiveness and Innovation Global Practice
    Details
    Language: English
    Pages: 1 Online-Ressource (circa 45 Seiten) , Illustrationen
    Series Statement: Policy research working paper 8892
    Series Statement: World Bank E-Library Archive
    Series Statement: Policy research working paper
    Parallel Title: Erscheint auch als Alibhai, Salman Full Esteem Ahead: Mindset-Oriented Business Training in Ethiopia
    Keywords: Graue Literatur
    Abstract: Is there a mindset gap holding women back in business? Can entrepreneurship training instill a set of attitudes, behaviors, and strategies that are thought to underpin success in business such as motivation, perseverance, and self-confidence? This study conducted two randomized controlled trials to evaluate the effect of mindset-oriented business trainings on the performance of women-owned micro and small enterprises in Ethiopia. The trainings were underpinned by psychology with a mission to foster self-esteem and entrepreneurial spirit. Despite a similar approach, however, the quality of delivery seemed to matter as impacts of the trainings on business performance were mixed. A key channel for an impact on profits is if the training can actually effectuate the mindset change, with only one training transferring higher levels of entrepreneurial self-efficacy, personal initiative, and entrepreneurial locus of control to the women, relative to a control group. The study finds suggestive evidence that psychological skills and mindset are better inspired by a trainer who previously owned a business themselves and therefore may have a better understanding of the entrepreneurs' specific challenges. The study concludes that psychological skills are important for women's business success, and these skills can indeed be transferred using training, assuming a shared identity match between trainer and student. Service delivery appears to be critical for inculcating these important skills
    DOI: 10.1596/1813-9450-8892
    URL: Volltext  (lizenzpflichtig)
    URL: Deutschlandweit zugänglich
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    Online Resource
    MPI Ethno. Forsch.
  • 3
    Online Resource
    Online Resource
    Taking management digital : lessons from the development of an innovative management information system for small businesses in Ethiopia (2018)
    Washington, D.C. : World Bank Group, Finance, Competitiveness and Innovation Global Practice
    Details
    Language: English
    Pages: 1 Online-Ressource (circa 30 Seiten) , Illustrationen
    Series Statement: Policy research working paper 8608
    Series Statement: World Bank E-Library Archive
    Series Statement: Policy research working paper
    Parallel Title: Erscheint auch als Alibhai, Salman Taking Management Digital: Lessons from the Development of an Innovative Management Information System for Small Businesses in Ethiopia
    Keywords: Graue Literatur
    Abstract: In many aid projects, monitoring and evaluation is a static exercise driven by donor reporting requirements. After project closure, there are seldom sustainable benefits of the monitoring and evaluation system. This paper examines how monitoring and evaluation can be transformed into a dynamic tool for effective project management, with benefits carrying over beyond the typical project lifecycle. The paper assesses an innovative, digital management information system developed under the Women Entrepreneurship Development Project, a Government of Ethiopia initiative financed by a World Bank International Development Association loan and grant funding from Global Affairs Canada. The paper examines the context of the development of the management information system, its effectiveness, and its potential for sustainability. Ethiopia is among the poorest countries in the world, and government administration units involved in administering projects often face funding and resource shortfalls. The paper demonstrates how effective and sustainable monitoring and evaluation systems can be developed even in challenging contexts such as these, by focusing on simple technical solutions that can be maintained and refined locally, ensuring low development and maintenance costs compatible with government monitoring and evaluation budgets, and linking project-level monitoring and evaluation to broader government operations
    DOI: 10.1596/1813-9450-8608
    URL: Volltext  (Deutschlandweit zugänglich)
    URL: Deutschlandweit zugänglich
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    Online Resource
    MPI Ethno. Forsch.
  • 4
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    Online Resource
    Better loans or better borrowers? : impact of meso-credit on female-owned enterprises in Ethiopia (2018)
    Washington, D.C. : World Bank Group, Africa Region, Gender Global Theme, Finance, Competitiveness and Innovation Global Practice
    Details
    Language: English
    Pages: 1 Online-Ressource (circa 27 Seiten) , Illustrationen
    Series Statement: Policy research working paper 8511
    Series Statement: World Bank E-Library Archive
    Series Statement: Policy research working paper
    Parallel Title: Erscheint auch als Alibhai, Salman Better Loans or Better Borrowers? Impact of Meso-Credit on Female-Owned Enterprises in Ethiopia
    Keywords: Graue Literatur
    Abstract: This paper explores the impact of large, individual-liability loans on the growth of women-owned microenterprises in Ethiopia. Traditionally, microfinance institutions in Ethiopia have primarily catered to female enterprises with group lending schemes that provide very small loans. The limitations of this model are two-fold: in addition to these micro-loans being too small in size to fuel meaningful business growth, many of the female enterprises that are targeted with these loans face binding constraints, such as concentration in lower-growth sectors, lack of alternative job opportunities, limitations on time and mobility, and restrictive gender norms. The paper investigates the impact of credit to female entrepreneurs in a novel context, by examining larger loans, provided to growth-oriented women entrepreneurs. These entrepreneurs fall in the "missing middle" or "meso-finance" segment of the financial market because their credit needs are too large for microfinance, but not large enough for commercial banks. The paper uses a propensity score matching methodology to examine the impact of loans offered to women as part of the Women Entrepreneurship Development Project, a program funded by the World Bank International Development Association, that targets growth-oriented women entrepreneurs in Ethiopia. The results suggest that large, individual-liability loans can make a significant difference in accelerating growth in the business incomes and employment levels of women-owned enterprises
    DOI: 10.1596/1813-9450-8511
    URL: Volltext  (Deutschlandweit zugänglich)
    URL: Deutschlandweit zugänglich
    Library Location Call Number Volume/Issue/Year Availability
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    Online Resource
    MPI Ethno. Forsch.
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