Journal ArticleDOI
On operations and marketing in microfinance-backed enterprises: Structural embeddedness and enterprise viability
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In this paper, the authors investigated the impact of micro-finance access on marketing infrastructure and operational scale of women entrepreneurs in the context of structural embeddedness in the network, and found that the structural embeddings have a weakening effect on this relationship for operational scale while having a strengthening effect on the relationship for marketing infrastructure.Abstract:
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.,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.,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.,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.read more
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The Role of Information and Communication Technology in Managing Supply Chains in Base-of-the-Pyramid Markets
TL;DR: In this article , the authors analyzed how ICTs that provide information, financial access, and transaction applications serve as enablers for transaction cost reductions and supply chain management (SCM) improvements in the agricultural sector.
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Educational level as a modified variable to the relationship between microfinance services marketing and attracting customers’ attention in Egyptian banks
Einas Elabbasy,Ahd Bakr +1 more
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On subsistence‐type rural independent retailers and crowdfunded microfinance—Prosocial lending, nudges, and unintended consequences
TL;DR: In this article , the authors investigate how an entrepreneur's circumstances with regard to their borrowing status as a first-time borrower, and their intent to business expansion influence their success in fundraising on a crowdfunding platform, and reveal that repeat borrowers who are "repeat borrowers" have difficulty in obtaining funding for their business plans.
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Women entrepreneurs in India: a systematic literature review
TL;DR: A systematic literature review (SLR) was performed on 74 scholarly articles focusing on women entrepreneurs (WEs) in India and published between 1993 and 2020 as discussed by the authors , which is structured around the 4W framework used in previous SLRs.
References
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