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

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2022-12

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Ertürk, Dilruba Özge

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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

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Graduate School of Social Sciences, Thesis

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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.