KURUMSAL FİNANSMANA ERİŞİM NOKTASINDA KADIN GİRİŞİMCİLERİ ETKİLEYEN FAKTÖRLERİN İNCELENMESİ

Year 2023, Volume: 24 Issue: 3, 498 - 514, 25.09.2023

Salim Sercan Sarı , Turgut Karabulut

https://doi.org/10.53443/anadoluibfd.1278315

Abstract

Kadın girişimciler ekonomik hayata dâhil olmak istediklerinde bir takım avantaj ve dezavantajlarla karşı karşıya kalmaktadırlar. Özellikle finansmana erişim konusunda karşılaşılan problemler hem girişimlerin büyümesini hem de kadın girişimcilerin ekonomik hayata katılımını güçleştirmektedir. Kadın girişimcilerin çalışma hayatında yer alabilmesi ve ülkenin ekonomik kalkınmasına katkı sağlayabilmesi için kurumsal finansmana erişimlerinin sağlanması oldukça önemlidir. Yapılan çalışma ile Türkiye’de kadın girişimcilerin finansmana erişimini etkileyen faktörler incelenmiştir. Araştırmada hedeflenen sonuçlara ulaşabilmek için Erzincan İl’inde faaliyet gösteren 121 kadın girişimciye anket yapılarak veri toplanmıştır. Önerilen verileri değerlendirmek için çalışmada faktör analizi, bağımsız örneklem t testi ve tek yönlü varyans analizi kullanılmıştır. Elde edilen bulgulara göre kadın girişimcilerin kurumsal finansmana erişimde yaşadıkları zorlukların sırası ile şüphecilik, güçlük, teminat anlaşmazlığı ve uzun süreç, koruma tutumu ve ön yargı olarak gerçekleştiği tespit edilmiştir.

Keywords

Girişimcilik, Kadın Girişimci, Kurumsal Finansman, Finansmana Erişim

EXAMINING THE FACTORS AFFECTING WOMEN ENTREPRENEURS’ ACCESS TO INSTITUTIONAL FINANCE

Abstract

When women entrepreneurs want to be included in economic life, they face a number of advantages and disadvantages. Especially the problems encountered in access to finance make it difficult for women entrepreneurs to participate in economic life. It is very significant to provide those women entrepreneurs have access to institutional finance so that they can take part in the working life and contribute to the economic development of the country. In this research, the factors affecting the access of women entrepreneurs to finance in Türkiye were examined. The population of the research is 121 women entrepreneurs operational in the province of Erzincan, and data was collected by conducting a survey on these people. Factor analysis, independent sample t-test and one-way analysis of variance were used in the study to evaluate the obtained data. With respect to the findings, it was determined that the order of difficulties experienced by women entrepreneurs in accessing institutional finance is as follows: suspiciousness, difficulty, collateral dispute and long process, protection attitude and prejudice.

Keywords

Entrepreneurship, Women Entrepreneurs, Institutional Finance, Access to Finance

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