By Lauren Read
A close empirical examine of the way small enterprise proprietors finance their agencies, this quantity compares the studies of girls with these of fellows. the writer redresses an over-reliance on subjective and anecdotal proof of discrimination during this zone with a managed examine of 40 matched pairs of male/female vendors and their concepts for elevating funds. The learn unearths the significance of adopting a theoretical framework during which the position of gender within the financing of small companies is taken into account, and the sensible implications for woman marketers, banks and policy-makers.
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Additional info for Financing of Small Business: A Comparative Study of Male and Female Business Owners (Routledge Studies in Small Business, 5)
In the case of small firm financing, especially bank financing, these contracts usually take the form of loan or overdraft agreements— contracts whereby small firms face penalties if they do not comply to the stated terms and conditions, notably repayment within an agreed length of time. Sanctions might include higher interest rates, larger fees or withdrawal of the facility. Another bonding arrangement is through the provision of incentives which encourage small business Financing women-owned businesses 37 owners to behave in a manner which is consistent with the contract.
Paradoxically, while Buttner and Rosen (1988a; 1988b) found that loan officers of both sexes ascribe the characteristics of successful entrepreneurs more readily to men than to women and that male financial decision-makers tend to be more sceptical about a woman’s ability to run a business in a traditionally male domain, in a later study they found loan officers to be equally likely to approve the loan applications of male and female entrepreneurs and equally likely Financing women-owned businesses 31 to make a counteroffer to both sexes (Buttner and Rosen, 1989).
In order to account for systematic differences between male and female business owners which may influence the financing of their businesses, a matched pairs methodology is adopted in order to undertake a comparative study of forty pairs of male and female business owners. The advantages and disadvantages of the survey method are outlined and chapter 3 concludes with an overview of the general characteristics of the sample of businesses included in the study. In the remaining chapters, results from a study of forty matched pairs of female and male business owners are reported in an attempt to answer the main research questions posed at the end of chapter two .