FINANCIAL INCLUSION OF WOMEN IN BUSINESS IN TÜRKİYE: CAN WOMEN ENTREPRENEURS AND SMES REALLY BENEFIT FROM BANK FINANCING?

Download

10514043.pdf

Date

2022-12

Author

Ertürk, Dilruba Özge

Metadata

Show full item record

This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

Item Usage Stats

218
views

239
downloads

This study aims at exploring the factors affecting women entrepreneurs’ and women-led/owned SMEs (WiBs) access to banking finance in Türkiye. Within this scope, access to banking finance of 2,258 WiBs registered and operated in Türkiye was examined in the axis of their firm ages, regions, and sectors. It was found that there is a statistically significant relationship between WiBs' age, sector and region and their access to banking finance in Türkiye. However, the significance levels of their relationship change from sector to sector and region to region. Further, the relationship between WiBs' age, sector and region and being rejected by banks due to lack of collateral was assessed with 721 WiBs among the sample who were rejected before by banks due to lack of collateral. It was found that collateral provision remains one of the prominent challenges ahead of women entrepreneurs’ access to finance, and WiBs in accommodation, food and other services” sector and the Central East Anatolia Region was rejected the most by banks due to a lack of collateral. However, making a one-fits-all inference based on sector and region would not be correct. Since each WiB is a unique case and their credit applications are reviewed by banks considering their specific characteristics. To increase the financial inclusion of Turkish WiBs, banks should perceive the needs of these WiB clients from a gender lens and should pursue a holistic approach while developing gender-responsive WiB product packages.

Subject Keywords

Financial Inclusion, Women in Business, Access to Banking Finance in Türkiye, Firms’ Age Sector and Region, Lack of Collateral

URI

https://hdl.handle.net/11511/101247

Collections

Graduate School of Social Sciences, Thesis

Suggestions

OpenMETU
Core

Financial development and energy consumption in emerging markets: structural shifts in causal linkages Durusu Çiftçi, Dilek; Soytaş, Uğur; Nazlıoğlu, Şaban (null; 2018-11-03) This study examines dynamic causal interrelationships among financial development, energy consumption, and economic growth in the emerging markets by focusing on accounting for structural changes in causal linkages. We first employ the Toda-Yamamoto causality framework and later augment it with Fourier approximation to account for structural shifts – including gradual/smooth shifts. The empirical findings show that accounting for gradual structural shifts matter for the causal linkages between financial dev...
Empirical investigation of internet banking usage: The case of Turkey Daneshgadeh, Salva; Özkan Yıldırım, Sevgi (2014-10-17) This study empirically investigates the factors impacting internet banking (IB) usage by Turkish bank customers. A unique internet banking usage model (IBUM) was developed and validated. The initial proposed model incorporated 10 factors named usefulness, ease of use, control, social influence, compatibility, risk, website features, alliance service, awareness of service and personalization that affect internet banking usage. The initial model was tested against both measurement and structural models. The r...
Fiscal Decentralization and Socio-economic Outcomes in Turkey: An Empirical Investigation Neyaptı, Bilin (Orta Doğu Teknik Üniversitesi (Ankara, Turkey), 2005-12) This study examines the status of fiscal decentralization and its relationship with socio-economic indicators in Turkey. As theoretical literature is ambiguous on the merits of fiscal decentralization, international evidence confirms this ambiguity by stressing the important role of administrative and political decentralization in obtaining the benefits of fiscal decentralization. Empirical evidence in this paper regarding the relationship between various socio-economic indicators and fiscal decentralizati...
Financial fragilities of Turkish non-financial sectors Kılıç, Abdurrahman; Özmen, Erdal; Department of Economics (2015) This thesis investigates financial structure of Turkish non-financial sectors and the impacts of their financial fragilities on profitability using the Central Bank of the Republic of Turkey (CBRT) sector level company accounts data base. The results suggest that corporate sector leverage dramatically increased after 2009. Despite the improvements in maturity and liability dollarization of the corporate sector, fragilities still appear to be substantially high. Foreign currency denominated assets have becom...
Financial development and energy consumption in emerging markets: Smooth structural shifts and causal linkages Durusu-Ciftci, Dilek; Soytaş, Uğur; NAZLIOĞLU, ŞABAN (Elsevier BV, 2020-03-01) This study examines the dynamic interrelationships among financial development, energy consumption, and economic growth in emerging markets by focusing on accounting for structural changes in causal linkages. We first employ the Toda-Yamamoto causality framework and then augment it with a Fourier approximation which captures structural shifts as a gradual/smooth process. The empirical findings show that taking into account gradual structural shifts matters for the causal linkages between financial developme...

Citation Formats

D. Ö. Ertürk, “FINANCIAL INCLUSION OF WOMEN IN BUSINESS IN TÜRKİYE: CAN WOMEN ENTREPRENEURS AND SMES REALLY BENEFIT FROM BANK FINANCING?,” M.B.A. - Master of Business Administration, Middle East Technical University, 2022.