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首页> 外文期刊>Journal of Economics and Sustainable Development >Determinants of Bank Credit Access for Business Women in Bale Zone: A Case of Women Owned Business Enterprises in Robe, Goba, and Ginnir Towns
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Determinants of Bank Credit Access for Business Women in Bale Zone: A Case of Women Owned Business Enterprises in Robe, Goba, and Ginnir Towns

机译：罢工区商业女性获得银行信贷的决定因素：以罗布，戈巴和吉尼尔镇的女性拥有商业企业为例

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摘要

Credit is a transaction between two parties in which one, acting as creditor or lender, supplies the other, the debtor or borrower, with money, goods, services, or securities in return for the promise of future payment. Despite the most profound changes in the business world (the expansion of business activities and growth of women-owned businesses), many business women are not adequately getting access for commercial credit. Thus this study aimed at exploring the determinant factors for business women bank credit access in Robe, Goba, and Ginnir towns. The study employed descriptive, cross sectional study design and collected data using both primary (questionnaire, interview) and secondary sources (bank loan procedure manuals). The study revealed that age and bank related factors were determinants for business women bank credit access in the study area. Hence, the researchers recommended awareness programs, revising the existing credit policy, strengthening and advancing the interest free banking system, establishing more specialized financial institutions, like Enat Bank, for women, giving special emphasis for the support of women youths, and empowering women to help business women expanding their businesses, develop their own property that can serve as collateral, and get involved in the credit process in the study area.
机译：信用是两方之间的交易，其中一方作为债权人或贷方，向另一方（债务人或借款人）提供金钱，货物，服务或证券，以换取对未来付款的承诺。尽管商业世界发生了最深刻的变化（商业活动的扩展和女性拥有的企业的增长），但许多商业女性仍未获得足够的商业信贷。因此，本研究旨在探讨在罗布，戈巴和吉尼尔镇的商业女性银行信贷获取的决定性因素。该研究采用描述性，横断面研究设计，并使用主要来源（问卷，访谈）和次要来源（银行贷款程序手册）收集了数据。该研究表明，年龄和银行相关因素是研究区域商业女性银行信贷获取的决定因素。因此，研究人员建议开展提高认识的计划，修订现有的信贷政策，加强和推进无息银行体系，为妇女建立更专门的金融机构，如Enat银行，并特别强调支持女青年，并赋予妇女权力帮助商业女性扩展业务，发展自己的财产（可以用作抵押）并参与研究区域的信贷流程。

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