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Female borrowers and credit constraints in SME loan market: An analyses from the Visegrad countries

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dc.title Female borrowers and credit constraints in SME loan market: An analyses from the Visegrad countries en
dc.title Kobiety przedsiębiorcy i ograniczenia kredytowe na rynku kredytowym mśp: Analizy z krajów wyszehradzkich pl
dc.contributor.author Rahman, Ashiqur
dc.contributor.author Zbranková, Hana
dc.relation.ispartof Polish Journal of Management Studies
dc.identifier.issn 2081-7452 Scopus Sources, Sherpa/RoMEO, JCR
dc.date.issued 2019
utb.relation.volume 20
utb.relation.issue 2
dc.citation.spage 426
dc.citation.epage 440
dc.type article
dc.language.iso en
dc.publisher Czestochowa University of Technology
dc.identifier.doi 10.17512/pjms.2019.20.2.36
dc.relation.uri https://pjms.zim.pcz.pl/resources/html/article/details?id=196736&language=en
dc.subject credit constraints en
dc.subject female borrowers en
dc.subject SMEs en
dc.subject Visegrad countries en
dc.description.abstract There is an ongoing issue in entrepreneurial finance that due to gender discrimination in the loan market, the female borrowers are facing more financing difficulties compared to the male borrowers. Considering the fact, the aim of this paper was to analyses the credit constraints experienced by female borrowers in the context of Visegrad countries. Specifically, we wanted to shed light whether gender discrimination phenomenon in SME loan market is also relevant in these countries or not. To understand financing difficulties for female-based firms, this paper utilizes the data provided by the BEEPS (Business Environment and Enterprise Performance Survey) survey conducted by the EBRD (European Bank for Reconstructions and Development) during the period 2012-2014. By using a sample of 1296 SMEs in these four countries, we found that the SMEs owned by the female borrowers are not being discriminated by banks or external lenders. We found that both male and female borrowers have a similar perception of financing difficulties and getting a similar level of priority while asking for bank loans. Hence, it shows that gender discrimination is not a case in the Visegrad countries. However, we found that borrowers experience can have a positive effect on getting bank loans, that means borrowers with higher experience can facilitate in getting external loans. We also show that firms with an audit report have better access to external loans than firms without an audit report. We did not find any significant evidence that innovative firms are financially constraints than the non-innovative ones. © 2019, Czestochowa University of Technology. All rights reserved. en
utb.faculty Faculty of Management and Economics
dc.identifier.uri http://hdl.handle.net/10563/1009587
utb.identifier.rivid RIV/70883521:28120/19:63524139!RIV20-MSM-28120___
utb.identifier.obdid 43880989
utb.identifier.scopus 2-s2.0-85078316998
utb.identifier.wok 000510862400036
utb.source j-scopus
dc.date.accessioned 2020-03-02T12:28:39Z
dc.date.available 2020-03-02T12:28:39Z
dc.description.sponsorship Internal Grant Agency of FaME TBU [IGA/FaME/2019/002]
dc.rights Attribution 4.0 International
dc.rights.uri http://creativecommons.org/licenses/by/4.0/
dc.rights.access openAccess
utb.contributor.internalauthor Rahman, Ashiqur
utb.contributor.internalauthor Zbranková, Hana
utb.fulltext.affiliation Rahman A., Zbrankova H.* * Ashiqur Rahman; Hana Zbrankova, Tomas Bata University in Zlin, Faculty of Management and Economics, Zlin, Czech Republic Corresponding author: rahman@utb.cz; zbrankovi@amaco.cz
utb.fulltext.dates Received July 30, 2019 Revised September 12, 2019 Accepted September 29, 2019
utb.fulltext.sponsorship Ashiqur Rahman is grateful to the Internal Grant Agency of FaME TBU No. IGA/FaME/2019/002: The Role of Institutional Environment in Fostering Entrepreneurship” for financial support to carry out this research.
utb.wos.affiliation [Rahman, A.; Zbrankova, H.] Tomas Bata Univ Zlin, Fac Management & Econ, Zlin, Czech Republic
utb.scopus.affiliation Tomas Bata University in Zlin, Faculty of Management and Economics, Zlin, Czech Republic
utb.fulltext.projects IGA/FaME/2019/002
utb.fulltext.faculty Faculty of Management and Economics
utb.fulltext.faculty Faculty of Management and Economics
utb.identifier.jel -
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