The process of female borrower discouragement

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dc.contributor.authorNaegels, Vanessa
dc.contributor.authorMori, Neema
dc.contributor.authorD’Espallier, Bert
dc.date.accessioned2021-06-16T10:49:07Z
dc.date.available2021-06-16T10:49:07Z
dc.date.issued2021-06
dc.description.abstractRecent entrepreneurial finance literature identifies ‘borrower discouragement’ as an important phenomenon explaining why female entrepreneurs hold less capital to grow their venture. But how do you become a discouraged borrower? We apply grounded theory to interviews with Tanzanian female entrepreneurs and model the process via which these entrepreneurs become discouraged. Our model suggests that entrepreneurs hold negative perceptions regarding loan application, allocation and payback procedures shaped by both internal and external information sources. We demonstrate that negative perceptions cause an unfavorable attitude towards formal loans which together with entrepreneurs’ perceptions of societal norms lead to a low intention to apply.en_US
dc.identifier.citationNaegels, V., Mori, N., & D'Espallier, B. (2021). The process of female borrower discouragement. Emerging Markets Review, 100837. doi:https://doi.org/10.1016/j.ememar.2021.100837en_US
dc.identifier.doidoi:https://doi.org/10.1016/j.ememar.2021.100837
dc.identifier.urihttp://hdl.handle.net/20.500.11810/5775
dc.language.isoenen_US
dc.publisherElsevieren_US
dc.subjectEntrepreneurial Financeen_US
dc.subjectBorrower Discouragementen_US
dc.subjectFemale Entrepreneurshipen_US
dc.subjectGrounded theoryen_US
dc.titleThe process of female borrower discouragementen_US
dc.typeJournal Article, Peer Revieweden_US
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