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Bank lending and financial discrimination from the formal economy: How women entrepreneurs get forced into involuntary bootstrapping
Luleå University of Technology, Department of Business Administration, Technology and Social Sciences, Business Administration and Industrial Engineering.ORCID iD: 0000-0003-0290-7522
Luleå University of Technology, Department of Business Administration, Technology and Social Sciences, Business Administration and Industrial Engineering. Department of Management and Organization, Hanken School of Economics, Helsinki.ORCID iD: 0000-0002-8770-8874
2018 (English)In: Journal of Business Venturing Insights, ISSN 2352-6734, Vol. 10, article id e00096Article in journal (Refereed) Published
Abstract [en]

The role of banks, their decision models, and their linkages with how entrepreneurs can act as providers to the formal economy have not been focused on much in entrepreneurship research. We explore the trend of transaction-based lending among banks on entrepreneurs’ engagement in informal economic activities (or involuntary bootstrapping activities) and how that relationship is moderated by gender. The results show that women entrepreneurs who encounter banks with transaction-based lending are forced to engage in much more informal economic activities compared to men, while this gender bias vanishes when entrepreneurs face banks with relation-based lending. We associate these results with gender stereotyping and suggest transaction-based lending to be costly for the development of formal economies.

Place, publisher, year, edition, pages
Elsevier, 2018. Vol. 10, article id e00096
National Category
Other Engineering and Technologies not elsewhere specified
Research subject
Entrepreneurship and Innovation
Identifiers
URN: urn:nbn:se:ltu:diva-70258DOI: 10.1016/j.jbvi.2018.e00096Scopus ID: 2-s2.0-85050685555OAI: oai:DiVA.org:ltu-70258DiVA, id: diva2:1237151
Note

Validerad;2018;Nivå 1;2018-08-07 (andbra)

Available from: 2018-08-07 Created: 2018-08-07 Last updated: 2018-08-15Bibliographically approved

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Malmström, MalinWincent, Joakim

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  • apa
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