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首页> 外文期刊>International Journal of Physical Distribution & Logistics Management >On operations and marketing in microfinance-backed enterprises: Structural embeddedness and enterprise viability
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On operations and marketing in microfinance-backed enterprises: Structural embeddedness and enterprise viability

机译：关于小额信贷支持企业的运营和营销：结构嵌入和企业生存能力

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Purpose Financial inclusion remains one of the most promising avenues to bring about development for the poorest segments of society. A substantial body of work has looked into financial inclusion, especially in terms of microfinance, but much of it has been anecdotal and case-based. There is little scholarship that broadly investigates how microfinance-funded businesses choose to use the loans, especially given the ever-present competition for resources that such businesses face regarding which investment priority to pursue. In addition, the efficacy of these investments in terms of subsequent profitability remains unexplored, and so too does the influence of the entrepreneur's embeddedness in the local community. The paper aims to discuss these issues. Design/methodology/approach This study reports the results from a field investigation of 927 women entrepreneurs who received a microfinance loan from a leading Indian microfinance institution. Logit and OLS regression models are employed in a moderation analysis by way of hierarchical regression. Findings Results indicate that access to microfinance increases the likelihood that the enterprise invests in marketing infrastructure and operational scale. In addition, structural embeddedness has a weakening effect on this relationship for operational scale while having a strengthening effect on the relationship for marketing infrastructure. Finally, operational scale is related to enterprise profitability, while marketing infrastructure is not. These findings suggest that embeddedness in the community is associated with the entrepreneur making sub-optimal choices regarding microfinance utilization. Originality/value To our knowledge, this is the first study to investigate the simultaneous marketing and operational impacts of microfinance access. It is also the first study to relate these measures to the profitability of the enterprise, especially in the context of structural embeddedness in the network.
机译：目的金融包容性仍然是为社会最贫困阶层带来发展的最有希望的途径之一。大量工作已在研究金融普惠性，特别是在小额信贷方面，但其中很多都是轶事和基于案例的。很少有奖学金能广泛地调查由小额信贷资助的企业如何选择使用贷款，尤其是考虑到此类企业面临的资源竞争在哪一项投资优先方面面临着不断的竞争。此外，这些投资在后续获利能力方面的功效仍未得到开发，企业家在当地社区中的嵌入度的影响也未得到探索。本文旨在讨论这些问题。设计/方法/方法这项研究报告了对927位女企业家进行实地调查的结果，这些企业家从印度一家领先的小额信贷机构获得了小额贷款。通过分层回归，在适度分析中采用Logit和OLS回归模型。调查结果表明，获得小额信贷增加了企业投资于营销基础设施和运营规模的可能性。此外，结构嵌入对这种关系对于运营规模具有弱化作用，而对营销基础设施之间的关系则具有增强作用。最后，运营规模与企业盈利能力有关，而营销基础架构与企业盈利能力无关。这些发现表明，社区的包容性与企业家在小额信贷利用方面做出次优选择有关。独创性/价值据我们所知，这是第一个研究小额信贷获取同时对市场和运营影响的研究。这也是将这些措施与企业盈利能力相关联的第一项研究，尤其是在网络的结构嵌入性的情况下。

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