Gendered Lending Practices: Enabling South African Women Entrepreneurs to Access Start-Up Capital

2014 ◽  
Vol 22 (03) ◽  
pp. 313-330 ◽  
Author(s):  
Evelyn Derera ◽  
Pepukayi Chitakunye ◽  
Charles O'Neill ◽  
Amandeep Tarkhar-Lail
Keyword(s):  
South Africa ◽  
South African ◽  
Women Entrepreneurs ◽  
Financial Institution ◽  
African Women ◽  
Future Research ◽  
Snowball Sampling ◽  
Start Up ◽  
South African Women ◽  
Depth Interviews

This study explores gendered lending and marketing practices of start-up capital to women entrepreneurs in South Africa. A multi-method research design, comprising of 6 in-depth interviews with experts, and a survey of 50 women entrepreneurs was adopted using convenience and snowball sampling techniques, respectively. The findings revealed that women entrepreneurs are experiencing gendered discriminatory practices embedded in lending practices used by financial institutions, thereby discouraging them to venture into non-traditional industries. Whilst financial providers may know their products well, many emerging women entrepreneurs in South Africa may find it difficult and costly to obtain information on the thousands of financial products available. Hence, women entrepreneurs resort to taking greater risks than necessary in order to get their businesses off the ground. Educating women on financial matters is extremely important if South Africa is to benefit fully from the untapped entrepreneurial talent that women possess. The study adds voice to the discriminatory lending practices faced by women entrepreneurs in developing countries. Future research could explore the feasibility of establishing a financial institution which caters specifically for the needs of women.

scholarly journals An investigation into the financial barriers facing women entrepreneurs operating in SMMEs in Tshwane, South Africa

2013 ◽  
Vol 6 (2) ◽  
pp. 347-358 ◽  
Author(s):  
Evelyn Chiloane-Tsoka
Keyword(s):  
South Africa ◽  
Small Business ◽  
South African ◽  
Women Entrepreneurs ◽  
African Women ◽  
Small Enterprise ◽  
Policy Statement ◽  
Financial Barriers ◽  
And Gender ◽  
South African Women

The South African women emancipation policy statement and gender equality are critical tools established by government to eradicate poverty among entrepreneurs operating in small business. Khula was established to act as a financial wholesaler to emerging entrepreneurs who needed finance to start and grow businesses. The Small Enterprise Development Agency was established to provide training needs to small business operators. Lack of finance is a major stumbling block to women entrepreneurs reaching their full economic potential in South Africa. Financial collaterals are barriers for women operating in SMMEs in Tshwane. The objective of the study was to investigate the financial barriers facing women entrepreneurs in Tshwane when starting or growing businesses. In order to achieve the results a structured questionnaire and interviews were used as method of collecting data. A sample of 300 women operating SMMEs in six townships of the Tshwane metropolitan area was analysed per a quota of 50 businesses per township. The results indicate that women entrepreneurs lack the financial collateral that is demanded by financial institutions when applying for finance to start or grow their business.

scholarly journals A Study on the Gender Digital Divide: Overcoming the Under-Representation of South African Women in the IT Sector

2019 ◽  
Vol 9 (2) ◽  
pp. 151
Author(s):  
Seetha Nesaratnam ◽  
Tengudzeni Nkosingiphile Mamba ◽  
Jugindar Singh Kartar Singh
Keyword(s):  
South Africa ◽  
Digital Divide ◽  
South African ◽  
Gender Gap ◽  
Gender Stereotyping ◽  
African Women ◽  
Leadership Roles ◽  
The Rich ◽  
South African Women ◽  
Depth Interviews

In South Africa, women are grossly underrepresented in the Information Technology (IT) sector result of gender stereotyping and discrimination. According to the Independent Communications Authority of South Africa (ICASA) Report (2017), only 21% of executives in the IT sector are women. This has caused high unemployment of women IT graduates. The purpose of this study therefore is to explore and investigate the antecedents that influence and impact the phenomenon of the gender digital divide in South Africa. The study explores new antecedents of the digital gender divide that influences motivation of women to participate in the IT sector. This study used a qualitative approach through in-depth interviews of South African women in the IT sector. The rich volume of data collected was analysed via a thematic analysis. The analysis confirmed existing antecedents gleaned from literature and also uncovered three new dimensions, namely, networking, impartial mentorship and HR as motivators for women in the IT sector. The findings of the study also provides for a better understanding on the barriers that perpetuate the unequal gender gap problem especially in managerial and leadership roles. 

scholarly journals Emotional intelligence in South African women leaders in higher education

2017 ◽  
Vol 43 (0) ◽  
Author(s):  
Claude-Hélène Mayer ◽  
Rudolf M. Oosthuizen ◽  
Sabie Surtee
Keyword(s):  
Higher Education ◽  
South Africa ◽  
Emotional Intelligence ◽  
Women Leaders ◽  
South African ◽  
African Women ◽  
Future Research ◽  
Structured Interviews ◽  
Leadership Qualities ◽  
South African Women

Orientation: This study contributes to an in-depth understanding of emotional intelligence (EI) in women leaders in Higher Education Institutions (HEIs) in South Africa from an inside perspective.Research purpose: The purpose of this study is to explore EI in South African women leaders working in HEIs to identify women leader’s strengths, foci and their possible areas of development. The aim is to get deeper insights in EI in women leaders because EI is associated with effective leadership qualities, creativity and innovation, as well as empathetic communication which is needed in the challenging HEI workplaces.Motivation for the study: Emotional intelligence is an important source for women leaders to increase leadership qualities. This study is motivated by a deep interest to explore aspects of EI in women leaders in this specific professional context.Research design, approach and method: The study uses a qualitative research design and an approach based on Dilthey’s modern hermeneutics of ‘Verstehen’ (understanding). Twenty-three women leaders of the Higher Education Research Service (HERS-SA) network were interviewed through semi-structured interviews. One researcher observed behaviour in one HEI to support the interpretation of the data. Data were analysed through content analysis.Main findings: Findings show that women leaders mainly refer to intrapersonal emotional quotient (EQ), followed by interpersonal EQ, adaptability, stress management and, finally, general mood. The most highly rated components of EQ are self-regard, followed by interpersonal relationships, problem solving, empathy, emotional self-awareness, assertiveness, impulse control and social responsibility. Findings also provide ideas on what EQ components can be further developed.Practical/managerial implications: New insights are provided on what components of EI should be developed in women leaders to increase overall EI, on cognitive and behavioural levels.Contribution/value-add: This research provides new and original context-specific insights on EI in HEIs in South Africa, which can be used as a basis for future research on women leaders while providing a knowledge base for contemporary training of EI in HEIs.

THE SINS OF THE FATHER: GENDER- BASED VIOLENCE IN POST-APARTHEID SOUTH AFRICA

2017 ◽  
Vol 14 (2) ◽  
pp. 57-70 ◽  
Author(s):  
Lyn Snodgrass
Keyword(s):  
South Africa ◽  
Black Women ◽  
South African ◽  
African Women ◽  
Gender Based Violence ◽  
Political Issues ◽  
Race And Gender ◽  
Gender Based ◽  
And Gender ◽  
South African Women

This article explores the complexities of gender-based violence in post-apartheid South Africa and interrogates the socio-political issues at the intersection of class, ‘race’ and gender, which impact South African women. Gender equality is up against a powerful enemy in societies with strong patriarchal traditions such as South Africa, where women of all ‘races’ and cultures have been oppressed, exploited and kept in positions of subservience for generations. In South Africa, where sexism and racism intersect, black women as a group have suffered the major brunt of this discrimination and are at the receiving end of extreme violence. South Africa’s gender-based violence is fuelled historically by the ideologies of apartheid (racism) and patriarchy (sexism), which are symbiotically premised on systemic humiliation that devalues and debases whole groups of people and renders them inferior. It is further argued that the current neo-patriarchal backlash in South Africa foments and sustains the subjugation of women and casts them as both victims and perpetuators of pervasive patriarchal values.

scholarly journals Health system experiences of breast cancer survivors in urban South Africa

2020 ◽  
Vol 16 ◽  
pp. 174550652094941
Author(s):  
Madeleine Lambert ◽  
Emily Mendenhall ◽  
Andrew Wooyoung Kim ◽  
Herbert Cubasch ◽  
Maureen Joffe ◽  
...  
Keyword(s):  
Breast Cancer ◽  
South Africa ◽  
Black Women ◽  
Health System ◽  
South African ◽  
Breast Cancer Survivors ◽  
Radiation Treatment ◽  
African Women ◽  
Total Mastectomy ◽  
South African Women

Background: Breast cancer is the most common cancer globally and among South African women. Women from socioeconomically disadvantaged South African communities more often present later and receive total mastectomy compared to those from more affluent communities who have more breast conserving surgery (which is less invasive but requires mandatory radiation treatment post-operatively). Standard chemotherapy and total mastectomy treatments are known to cause traumatizing side effects and emotional suffering among South African women; moreover, many women face limited communication with physicians and psychological support. Objective: This article investigates the experiences of women seeking breast cancer treatment at the largest public hospital in South Africa. Methods We interviewed 50 Black women enrolled in the South African Breast Cancer Study to learn more about their health system experiences with detection, diagnosis, treatment, and follow-up care for breast cancer. Each interview was between 2–3 hours, addressing perceptions, experiences, and concerns associated with breast cancer and comorbidities such as HIV and hypertension. Results: We found most women feared diagnosis, in part, because of the experience of chemotherapy and physical mutilation related to mastectomy. The importance of social support from family, religion, and clinical staff was fundamental for women coping with their condition and adhering to treatment and medication. Conclusions: These findings exemplify how interventions might promote early detection of breast cancer and better adherence to treatment. Addressing community perceptions of breast cancer, patient needs and desires for treatment, structural barriers to intensive therapies, and the burden of invasive treatments are imperative next steps for delivering better breast cancer care in Soweto and other resource-constrained settings.

scholarly journals Knowledge and Screening Practices of Breast and Cervical Cancer in Rural and Urban South Africa

2018 ◽  
Vol 4 (Supplement 2) ◽  
pp. 46s-46s
Author(s):  
A. LaVigne ◽  
S. Grover ◽  
S. Rayne
Keyword(s):  
Risk Factors ◽  
South Africa ◽  
Cervical Cancer ◽  
South African ◽  
Rural Women ◽  
Tertiary Care ◽  
African Women ◽  
Screening Methods ◽  
Breast And Cervical Cancer ◽  
South African Women

Background: The South African government has recently released cancer policies for breast and cervical cancer—the most common types and causes of cancer-related death in South African women. Increased mortality rates and advanced disease at presentation in comparison with developed countries suggests a need for greater awareness of risk factors, screening and preventative methods individualized for the population at risk. Aim: To characterize and compare the knowledge base and perceptions of women in urban and rural settings, we assessed these factors in two different cohorts in South Africa. Methods: A cross-sectional sample was taken in South Africa of women invited to participate in a survey regarding breast and cervical cancer knowledge, and awareness of risk factors, prevention and screening. Participants were approached in shopping malls and health facilities in urban Johannesburg in 2015 (“urban”) and semirural Bushbuckridge, 450 km northeast of Johannesburg (“rural”) in 2016. Results: 600 total women were surveyed, with 300 from each cohort. 83% of the urban cohort completed matriculation or higher, versus 60% of rural participants for whom high school was their highest level of education. Both groups demonstrated comparable levels of cancer awareness, and > 70% felt that cervical cancer is preventable. While the urban cohort was more knowledgeable about Pap smears (76% vs. 66%, P = 0.004), > 75% of both cohorts were willing to get one. Although both groups were largely unfamiliar with the role of HPV in cervical cancer, rural women were more aware of HIV (38% vs. 59%, P < 0.0001), smoking (43% vs. 62%, P < 0.0001) and parity (39% vs. 54%, P = 0.00019) as risk factors. Nevertheless, urban participants were more knowledgeable about breast self exams (71% vs. 59%, P = 0.001) and mammograms (62% vs. 42%, P < 0.0001), and more likely to undergo one (79% vs. 66%, P = 0.0002). Both groups identified family history and genetics as risk factors, but rural women appeared more aware of the roles of diet (30.67% vs. 39.93%, P = .011), oral contraceptives (17.33% vs. 34.77%, P < .0001), alcohol (26.67% vs. 52.15%, P < .0001) and lack of exercise (8.67% vs. 55.12%, P < .0001). Conclusion: Overall knowledge of breast and cervical cancer did not differ between both groups, despite varying levels of education and geographic setting. Women in the rural cohort demonstrated more awareness of several oncologic risk factors. Yet, the greater familiarity with and uptake of screening methods, especially for breast cancer, among women in the urban cohort may point to the benefits of proximity to health care infrastructure, such as tertiary care centers. This data supports a need for further implementation and distribution of cancer care services within cancer policies, to capitalize on increasingly sufficient levels of awareness among South African women.

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