scholarly journals Exploring the impact of COVID-19 pandemic on women entrepreneurs in Pakistan

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Faisal Mustafa ◽  
Ambreen Khursheed ◽  
Maham Fatima ◽  
Marriam Rao
Keyword(s):  
Developing Countries ◽  
Research Design ◽  
Gender Gap ◽  
Women Entrepreneurs ◽  
Case Study Research ◽  
Well Being ◽  
Microfinance Institutions ◽  
Structured Interviews ◽  
Content Type ◽  
The Impact

Purpose The purpose of this paper is to explore the impact of COVID-19 lockdown on micro-businesses owned by women borrowers of microfinance institutions and to provide policy suggestions to assist women entrepreneurs in managing such an unexpected crisis from a qualitative perspective within developing countries such as Pakistan. Design/methodology/approach The study adopts a qualitative research design to explore the impact of COVID-19 on women’s entrepreneurial activities. Seven women entrepreneurs were selected and semi-structured interviews with focused group discussion under case study research design are used. Thereby providing a contemporary view of the issues faced by women entrepreneurs in the period of huge social and economic upheaval. Findings The results provide valuable insights about how the COVID-19 crisis affected women entrepreneurs by particularly considering household income, business sales, lifestyle and mental health. The liquidation of women-led businesses indicated the necessity to reconsider creativity and digitalization for business survival. Moreover, the results also revealed that the impact of the COVID-19 pandemic on the physical, mental and economic well-being of women highlights the need for considering gender gap issues in forming response policies for COVID-19 in developing countries. Originality/value As the COVID-19 crisis is a recent and existing phenomenon, this study is among the first to explore particularly the impact of the COVID-19 outbreak on micro-enterprises mainly owned and managed by women. Thereby claiming that COVID-19 not only physically but also psychologically affected women entrepreneurs. Moreover, the study highlights a need of skill focused training programs for women entrepreneurs to make sure that they can protect their businesses during such difficult times.

scholarly journals Adoption and impact of index-insurance and credit for smallholder farmers in developing countries

2016 ◽  
Vol 76 (1) ◽  
pp. 94-118 ◽  
Author(s):  
Ana Marr ◽  
Anne Winkel ◽  
Marcel van Asseldonk ◽  
Robert Lensink ◽  
Erwin Bulte
Keyword(s):  
Developing Countries ◽  
Smallholder Farmers ◽  
Well Being ◽  
Index Insurance ◽  
Microfinance Institutions ◽  
Basis Risk ◽  
Content Type ◽  
Farm Productivity ◽  
Financial Products ◽  
The Impact

Purpose – The purpose of this paper is to review the most recent scientific literature on the determinants explaining the demand for index-insurance, the impact of index-insurance and the existing links between insurance and credit. In this meta-analysis, the authors identify key discoveries on the potential of index-insurance in enhancing credit supply for smallholders and thus farm productivity. Design/methodology/approach – Following a systematic literature search in Scopus and Web of Science, relevant empirical articles were identified by using the following criteria search algorithm: “insurance” and (“weather” or “micro” or “area?based” or “rain*” or “livestock” or “index”), and ((“empiric*” or “experiment” or “trial” or “RCT” or “impact”) or (“credit” or “loan*” or “debt” or “finance”)). The authors identified 1,133 related papers, 110 of which were selected as closely matching the study criteria. After removing duplicates and analysing each document, 45 papers were included in the current analysis. The framework for addressing insurance and credit issues, in the paper, entails three subsequent themes, namely, adoption of insurance, impact of insurance and links between insurance and credit. Findings – It is not confirmed yet that demand for insurance is indeed hump-shaped in risk aversion and the functional form of this relationship should be tested in more detail. This also holds for the magnitude of the effect of trust and education on actual demand. Furthermore, it is unclear to what extent other risk mitigation strategies form complements or substitutes to index-insurance. Lastly, the interaction between basis risk and price is important to the design of index-insurance products. If basis risk and price elasticity are indeed highly correlated, products that diminish basis risk are crucial in increasing demand. On the impact of bundled products, e.g. combination of insurance and credit, limited empirical research has been conducted. For example, it is unknown to what extent credit suppliers would react to the insured status of farmers or what the preferences of farmers are when it comes to a mix of financial products. In addition, several researchers have suggested that microfinance institutions or banks could insure themselves against covariate risk, yet no empirical evidence about this insurance mechanism has been conducted so far. Research limitations/implications – The authors based the research on scientific literature uploaded in Scopus and Web of Science. Other potentially insightful grey literature was not included due to lack of accessibility. Given the research findings, there is plenty of opportunity for further research particularly with regard to the effects of bundled products, e.g. insurance plus credit, on demand for index-insurance, supply of credit, loan conditions and impact on farm productivity and farmers’ well-being. Practical implications – Microfinance institutions, insurance companies, NGOs, research institutions and universities, particularly in developing countries, will be interested to learn about the systematic review of scientific research done in the area of insurance and credit for agriculture and the possibilities for application in their own practice of supplying these financial products. Social implications – A rigorous understanding of the potential of index-insurance and credit is essential for identifying the right mix of financial products that help smallholder farmers to increase farm productivity and their own well-being. Originality/value – The paper is valuable due to its rigorous evaluation of existing theoretical and empirical research around issues explaining the degree of adoption and impact of index-insurance and that of bundled financial products (i.e. index-insurance plus credit). The paper has the potential to become essential reading for academics, practitioners and policy-makers interested in researching and putting in practice the best options leading to greater farm productivity and well-being in developing countries.

scholarly journals The impact of social media on the performance of microfinance institutions in developing countries: a quantitative approach

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Ahmad Daowd ◽  
Muhammad Mustafa Kamal ◽  
Tillal Eldabi ◽  
Ruaa Hasan ◽  
Farouk Missi ◽  
...  
Keyword(s):  
Social Media ◽  
Developing Countries ◽  
Performance Indicators ◽  
Financial Services ◽  
Microfinance Institutions ◽  
Poverty Level ◽  
Content Type ◽  
Media Platform ◽  
Media Applications ◽  
The Impact

PurposeOver the last few decades, microfinance industry is argued to have played a constructive role in alleviating poverty level and providing the underprivileged with access to financial services. Statistics from the World Bank reveal that, currently, only 4% of the underprivileged have been served out of the 3 billion+ potential clients. Such results are due to several claims, particularly the operational and financial challenges faced by microfinance institutions (MFIs) in the constant flux inviting more attentions towards its performance. While explicit attention is given by many researchers towards mobile banking and information and communication technology (ICT) in improving the MFIs’ performance, the study on how social media, as a rapidly growing online phenomenon, can impact on the MFIs’ performance remains scarce. As such, this study aims to investigate this impact based on four dimensional performance indicators: efficiency, financial sustainability, portfolio quality and outreach.Design/methodology/approachA model is proposed and tested to ascertain the relationship between social media applications and organisational performance. In so doing, web-based questionnaires have been used to collect data from MFI employees in developing countries. Results reveal a significant influence of the social media over the MFIs’ performance, offering valuable insights into both researchers and practitioners in the domain of microfinance, as well as social media—conforming that the adoption of social media as marketing, advertising and communication tools may significantly improve the MFIs’ performance.FindingsThe results demonstrate that there is a positive and significant impact of social media use within microfinance on the key indicators of MFIs. They also show that the highest impact of social media usage within the microfinance is on the portfolio quality. In addition, it was found that marketing and advertising; communication and sales and distribution are the main areas where social media is able to support while social networking websites are the most popular platforms employed in MFIs.Originality/valueThis study adds to the existing literature few theoretical and practical aspects. First, this study developed a model for assessing the value of social media as a new phenomenon within this type of organisation. Second, it offers microfinance sponsors, managers and policy makers with a frame of reference to understand what social media platform can be deployed for each purpose. Third, with the identification of the main MFIs’ performance indicators, this research provided a reference of performance measurement guide for microfinance industry when assessing different technological employment.

scholarly journals Retired men and Men’s Sheds in Australia

2015 ◽  
Vol 36 (8) ◽  
pp. 972-989 ◽  
Author(s):  
Amie Southcombe ◽  
Jillian Cavanagh ◽  
Timothy Bartram
Keyword(s):  
Leadership Style ◽  
Family Relationships ◽  
Social Connectedness ◽  
Value Congruence ◽  
Well Being ◽  
Charismatic Leadership ◽  
Structured Interviews ◽  
Content Type ◽  
The Social ◽  
The Impact

Purpose – The purpose of this paper is to investigate the influence of charismatic leadership style and value congruence on the social connectedness of retired men in Australian Men’s Sheds. This study also explores the impact of social connectedness on well-being outcomes, such as employment and training, improved family relationships and access to health and welfare services. Design/methodology/approach – The methodology is a qualitative approach using focus groups (yarning circles) and semi-structured interviews with Shed leaders, men members and healthcare workers. Findings – The findings suggest that a charismatic leader enhances the value congruence between leaders and their members through empowering, envisioning and empathy, which also contributes to the social connectedness of members and enhances well-being of retired men. Originality/value – The study provides insights into the factors that contribute to successful leadership, participatory and leadership practices in the Groups/Sheds, and addresses a gap in the literature in the area of leadership and Men’s Sheds.

Socio-cultural environments and emerging economy entrepreneurship

2017 ◽  
Vol 9 (1) ◽  
pp. 85-96 ◽  
Author(s):  
Grisna Anggadwita ◽  
Bachruddin Saleh Luturlean ◽  
Veland Ramadani ◽  
Vanessa Ratten
Keyword(s):  
Developing Countries ◽  
Women Entrepreneurs ◽  
Entrepreneurial Activity ◽  
Equation Modeling ◽  
Integrated Analysis ◽  
Cultural Environment ◽  
Women Entrepreneurship ◽  
Content Type ◽  
Entrepreneurial Activities ◽  
The Impact

Purpose Women entrepreneurship has been growing and contributing significantly to economic activities, and it may also reduce unemployment, especially in developing countries. Many women entrepreneurs have begun to experience problems, including within their socio-cultural environment, in the beginning of or when they run their businesses. Among those developing countries, Indonesia has been recognized as having diverse ethnic groups, traditions, religions and languages. The purpose of this paper is to analyse how the socio-cultural environment affects women entrepreneurs in Indonesia. Design/methodology/approach This study aims at exploring the impact of the socio-cultural environment on entrepreneurial behavior, including the involvement of women in entrepreneurial activities in Indonesia as a multicultural country. A theoretical framework is empirically tested to identify the impact of the socio-culture environment on behavior and on women entrepreneurial activity through an integrated analysis. Findings A quantitative method with a causal descriptive approach is used in this study. The data are analyzed by using a descriptive statistics with the structural equation modeling technique. This study is intended to focus on women entrepreneurs in micro, small and medium enterprises in Bandung, Indonesia. A total of 210 women entrepreneurs have participated in this study. Practical implications include useful information for women entrepreneurs to overcome the impact of the socio-cultural environment in their entrepreneurial activities, and suggest insights for future research. Originality/value The development of women entrepreneurship in emerging economies may continuously face challenges, particularly in countries with multicultural attributes.

The impact of gender and culture on networking and venture creation

2017 ◽  
Vol 24 (2) ◽  
pp. 332-349 ◽  
Author(s):  
Tugba Kalafatoglu ◽  
Xavier Mendoza
Keyword(s):  
Women Entrepreneurs ◽  
Entrepreneurial Activity ◽  
Structured Interviews ◽  
African Region ◽  
Female Entrepreneurship ◽  
Content Type ◽  
Key Factor ◽  
Entrepreneurial Activities ◽  
The Impact ◽  
Entrepreneurial Networking

Purpose To date, little research has been focused on the nature and dynamics of female entrepreneurial networking activity. Thus, the purpose of this paper is to examine how gender and culture affect business creation, how women perceive social capital, and how important their personal networks are for their businesses, especially in the context of patriarchal societies. Design/methodology/approach Semi-structured interviews were conducted with women entrepreneurs living and operating businesses in Turkey and in four countries of the Middle East and North African region, namely, Lebanon, Saudi Arabia, Morocco, and Egypt. Findings The results indicate that being a woman entrepreneur in a highly patriarchal society limits entrepreneurial activities due to culture and social norms. However, networking appears as the key factor for these women entrepreneurs to overcome the barriers that they face, such as access to capital, financial information, resources, and new business opportunities. Research limitations/implications This study has limitations that tend to be commonly found in exploratory studies, so you cannot make generalizations. However, the findings lay the groundwork for future studies to examine the role of networking activity in female entrepreneurship in the context of patriarchal societies. Practical implications The findings are helpful for policymakers and other social groups interested in improving the conditions for female entrepreneurship. Governments and other economic actors need to provide training in both management and networking skills, encourage local businesses and associations to provide their venues for networking opportunities, and also provide support to women business organizations. Social implications Women’s entrepreneurship is growing, but still there is a scarcity of scholarly literature on the women entrepreneurs and their entrepreneurial activity. Originality/value This research provides empirical evidence of the nature and dynamics of female entrepreneurial networking activity in the context of patriarchal societies.

Displacement through incarceration: an opportunity for personal re-engagement

2019 ◽  
Vol 21 (1) ◽  
pp. 36-45
Author(s):  
David N. Eades
Keyword(s):  
Interpersonal Relationships ◽  
Interpersonal Relations ◽  
Well Being ◽  
Significant Other ◽  
Structured Interviews ◽  
Formerly Incarcerated ◽  
Content Type ◽  
Field Notes ◽  
Carceral Geography ◽  
The Impact

Purpose The purpose of this paper is to highlight that interpersonal relations within a visits venue in a carceral space can be restorative. This provides implications for staff working in institutions to support a visits programme to assist those incarcerated. Design/methodology/approach The experiences of those formerly incarcerated are captured through an ethnography of engagement by way of semi-structured interviews and field notes. In methodology it draws upon the fields of criminology and prison sociology, and in particular using an ethnographic approach within the field of Carceral Geography. Findings Interpersonal relationships developed, with a “significant other” within the liminality of displacement, are therapeutic in nature and potentially contribute to ongoing healthier relationships than previously experienced, once a person is released from incarceration. These also assist those incarcerated transition into the community when released. Research limitations/implications The sample within the study was only small, did not include the impact of family members, nor the impact of not having visitors upon people who are incarcerated. The feedback received was all positive. Other people might have had alternative experiences that were not captured in this study. Practical implications A practical outcome of this research is to encourage the development of interpersonal relationships and the reconstruction of social networks for those incarcerated as a means of early intervention for their recovery and future progress reintegrating back into society. Social implications The impact of a significant other helps those formerly incarcerated to value the importance of close supportive relationships in contributing to the lives of others socially. Originality/value Assisting those incarcerated develop a relationship with a significant other provides a unique protective element as a social intervention. Staff within institutions have a unique role within their service to facilitate visitors and to encourage those incarcerated to connect with a significant other so as to help their mental health, support their general well-being and give them hope for the future.

Empowering Jordanian women through entrepreneurship

2020 ◽  
Vol 22 (1) ◽  
pp. 133-144 ◽  
Author(s):  
Muntaha Banihani
Keyword(s):  
Economic Development ◽  
Women Entrepreneurs ◽  
Social Perceptions ◽  
Structured Interviews ◽  
Female Entrepreneurs ◽  
Family Responsibilities ◽  
Content Type ◽  
Physical Mobility ◽  
The Impact

Purpose A strong correlation has been found across several countries between women’s positions in society and economic development, suggesting that there is a relationship between women’s empowerment and countries’ economic development. Despite the impact women have in terms of economic activity and job creation, however, the role of women entrepreneurs is often underplayed and undervalued. Therefore, this paper aims to investigate the challenges women entrepreneurs face in Jordan to uncover ways to empower them. Design/methodology/approach This qualitative research used in-depth interviews with 15 women to investigate their perceptions regarding the challenges affecting their businesses. Semi-structured interviews were used to allow participants flexibility in expressing their views and experiences. The results from the interviews were analysed using NVIVO software to identify themes and categories. Findings It was found that women entrepreneurs in Jordan still face many challenges, primarily related to family responsibilities, networking and physical mobility. Research limitations/implications Recommendations for scholars and decision makers are presented to reduce the impact of the challenges faced by women entrepreneurs in Jordan. Originality/value This research contributes to the current entrepreneurial literature as it provides a deeper understanding of the experiences of women entrepreneurs in Jordan. Thus, it heeds the call for more research on women entrepreneurs in developing countries. In shedding light on the experiences of female entrepreneurs in Jordan, this paper provides strong arguments for challenging the traditional social perceptions regarding the roles of women.

In-work poverty: reversing a trend through business commitment

2019 ◽  
Vol 40 (5) ◽  
pp. 3-11
Author(s):  
Antonios Panagiotakopoulos
Keyword(s):  
Organizational Performance ◽  
Small Firm ◽  
Empirical Work ◽  
Well Being ◽  
Business Case ◽  
Working Poor ◽  
Structured Interviews ◽  
Content Type ◽  
The Impact ◽  
Firm Owners

Purpose This study aims to explore whether employer action may contribute towards reducing in-work poverty. Essentially, the study examines the extent to which small firm owners accept as being among their core responsibilities the support of the working poor both from an ethical and financial perspective. It further explores the impact of employee-friendly policies to support the working poor on the organizational performance of small enterprises. Design/methodology/approach A qualitative approach was adopted consisting of 60 responses from 30 small firm owners and 30 employees. More specifically, the study draws on the empirical data collected through face-to-face semi-structured interviews with the firm owners of 30 low-paying enterprises operating in Greece and 30 employees working in those firms. Findings The findings reveal that employer measures to reduce in-work poverty such as systematic training, travel allowance, provision of free meals and retail vouchers, bonus schemes and other indirect financial rewards do enhance overall employee well-being, which, in turn, makes employees more engaged with their work and motivate them to “go the extra mile” for their employer. As a result, organizations appear to enjoy several benefits including less absenteeism and staff turnover, reduced errors in production and increased productivity. Practical implications The present analysis argues that a narrow focus by policymakers on both direct and indirect governmental measures (e.g. an increase of the minimum wage, childcare and housing support) to reduce in work-poverty could be problematic as there are employer instruments that could also have a direct and indirect impact on employee income that could be useful when thinking about how in-work poverty can best be addressed. The empirical work showed that the above-mentioned measures have the potential to bring various organizational benefits including increased staff loyalty, less absenteeism, improved customer service and increased productivity. Such findings indicate that there is a strong business case for employers to combat in-work poverty and provide “better” jobs to individuals. Originality/value The emphasis of research around in-work poverty has been placed predominantly on welfare state measures to support the working poor, whereas the contribution of employers has been ignored. The present study fills this knowledge gap by leading to a better understanding of whether there is a business case for employers to fight in-work poverty.

Sell-side analysts and corporate acquisitions: case study findings

2020 ◽  
Vol 12 (4) ◽  
pp. 437-464
Author(s):  
Patric Andersson ◽  
Johan Graaf ◽  
Niclas Hellman
Keyword(s):  
Research Design ◽  
Capital Expenditure ◽  
Case Study Research ◽  
Accounting Information ◽  
Relevant Information ◽  
Structured Interviews ◽  
Corporate Acquisitions ◽  
Content Type ◽  
Organic Growth

Purpose This paper aims to investigate how sell-side analysts form expectations on, analyse, and communicate the effects of corporate acquisitions. Design/methodology/approach The paper reports on case studies of three listed firms who are frequent acquirers. The case data comprise semi-structured interviews and content analysis of analyst reports and corporate reports. Findings The paper reports three sets of findings. First, the analysts viewed acquisitions as heterogeneous events and, therefore, also treated acquisitions differently depending on factors such as size and acquisition strategy and the perceived “authenticity” of the acquisition (i.e. whether parts of the acquisition would be more accurately described as organic growth and regular capital expenditure (CAPEX) investments). Second, the authors find that analysts struggle with analysing the effects of acquisitions at the announcement date because of a mismatch between the analysts’ need of and the analysts’ access to relevant information. Although clients demand evaluations of announced acquisitions, relevant accounting information is not published until much later and the information at hand only allows for cursory analyses. Finally, the authors find that the analysts’ valuation models were too inflexible to fully incorporate the effects of the acquisition. In sum, the analysts, therefore, developed acquisition-driven investment cases without supporting accounting information and without converting expected acquisitions into forecasts. Originality/value By adopting a qualitative case study research design, the paper contributes to the ongoing efforts to open the “black-box” of sell-side analyst behaviour. In particular, the unique research design focusses on effects related to specific corporate events (acquisitions) rather than analysts’ everyday work.

Examining the social and entrepreneurial development of women through Microfinance in Indian context

2019 ◽  
Vol 39 (4) ◽  
pp. 407-421
Author(s):  
Shagun Bansal ◽  
Anjani Kumar Singh
Keyword(s):  
Gender Gap ◽  
Research Work ◽  
Microfinance Institutions ◽  
National Capital Region ◽  
Content Type ◽  
Capital Region ◽  
Household Decision ◽  
Entrepreneurial Skills ◽  
National Capital ◽  
The Impact

Purpose Microfinance is seen as the tool for poverty elimination. It provides loan to that particular section of the society which is not included in the mainstream financial system. The purpose of this paper is to study the impact of Microfinance on the lifestyle of women. The study is undertaken to address the question whether the Microfinance actually reach to the root of poverty and improve the standard of living for women who are considered to be the poorest of poor. This paper also aims to acquire the deeper understanding of the entrepreneurial skills which may or may not be inculcated with the help of Microfinance. Design/methodology/approach The paper is based on empirical data. The data were collected through structured questionnaire and purposive sampling was used. The respondents were the women beneficiaries of the Microfinance Institutions in the National Capital Region. Total of 117 women were personally interviewed to obtain the response for the questionnaire. Findings Microfinance helped to develop entrepreneurial skills among the women as acquiring loan helped them start their own microenterprise and support themselves and their family. Microfinance enhanced the participation of women in the household decision-making. As a result, after obtaining Microfinance, women were found to be more socially developed and empowered. Also, the gender gap seemed to have narrowed as a result of Microfinance. Research limitations/implications The findings of the study are limited to the National Capital Region. Practical implications Microfinance will be beneficial for women and lead to their empowerment when they have control over the usage of the loan. Microfinance institutions play an important role in facilitating women to become self-reliant. With the help of this paper, one can understand the role of Microfinance in uplifting the marginalized section of the society. Originality/value The research work is authentic and original as per the understanding. This paper gives an insight into how Microfinance can not only eliminate poverty but also help women develop the entrepreneurial skills. The paper explores into the issue of how gender inequality can be addressed through Microfinance.

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