Abebe Abraham, Kegne Meketaw
Department of Management, School of Graduate Studies, Assosa University, P. BOX 18, Assosa, Ethiopia.
Department of Management, College of Business and Economics, Assosa University, Assosa, Ethiopia.
J Innov Entrep. 2023;12(1):17. doi: 10.1186/s13731-023-00285-0. Epub 2023 Mar 20.
This study investigates the role of microfinance services on women's entrepreneurship development in Assosa town. The study employed both descriptive and explanatory designs and a quantitative research approach. The study targeted 352 women clients of Assosa Woreda Microfinance Institution, and 165 samples were selected using a simple random sampling technique. The data were collected through a questionnaire and analyzed through the statistical package for social science (SPSS) 26 software. The findings from the descriptive mean analysis indicate that the microfinance institution financial and non-financial services offered were found unable to significantly empower disadvantaged and poor women by improving their livelihood and development of their business. The correlation result also indicated a positive and significant association between saving practice, access to credit, skill development training, and the development of women entrepreneurs. Finally, the regression result saving and the credit or loan services of the microfinance institution service have the most decisive influence on women's entrepreneurship development.
本研究调查了小额金融服务在阿索萨镇妇女创业发展中的作用。该研究采用了描述性和解释性设计以及定量研究方法。研究对象为阿索萨沃雷达小额金融机构的352名女性客户,使用简单随机抽样技术选取了165个样本。数据通过问卷调查收集,并使用社会科学统计软件包(SPSS)26进行分析。描述性均值分析的结果表明,所提供的小额金融机构金融和非金融服务未能通过改善弱势和贫困妇女的生计及业务发展来显著增强她们的权能。相关性结果还表明,储蓄实践、获得信贷、技能发展培训与女企业家的发展之间存在积极且显著的关联。最后,回归结果显示,小额金融机构服务的储蓄以及信贷或贷款服务对妇女创业发展具有最决定性的影响。