國立虎尾科技大學 |

The Second Glass Ceiling : = Uncovering Barriers to Capital for Women Entrepreneurs in Small Business Lending.

Record Type:	Language materials, manuscript : Monograph/item
Title/Author:	The Second Glass Ceiling :/
Reminder of title:	Uncovering Barriers to Capital for Women Entrepreneurs in Small Business Lending.
Author:	Noktes, Ande.
Description:	1 online resource (118 pages)
Notes:	Source: Dissertations Abstracts International, Volume: 84-12, Section: A.
Contained By:	Dissertations Abstracts International84-12A.
Subject:	Public policy. -
Online resource:	click for full text (PQDT)
ISBN:	9798379714086

The Second Glass Ceiling : = Uncovering Barriers to Capital for Women Entrepreneurs in Small Business Lending.
Noktes, Ande.

The Second Glass Ceiling :Uncovering Barriers to Capital for Women Entrepreneurs in Small Business Lending. - 1 online resource (118 pages)

Source: Dissertations Abstracts International, Volume: 84-12, Section: A.

Thesis (D.L.P.)--Northeastern University, 2023.

Includes bibliographical references

Women entrepreneurs make up over 40% of small business owners and are the fastest-growing demographic of new founders but have access to less than 4% of the capital that funds small enterprises each year. Most small business owners visit their local bank as a first step in accessing capital, and lending officers at small local banks have significant authority over the commercial lending process at their institutions. As such, the purpose of this qualitative study was to explore the assumptions lending officers at small banks in the southeastern United States have about the gendered nature of entrepreneurship and the impact of those assumptions on women entrepreneurs' access to capital. In fifteen in-depth interviews, lending officers from small banks in rural and urban areas in the southeastern United States shared their perspectives on barriers facing entrepreneurs as they access capital. Five findings emerged in this study. The first two findings address the research questions: first, bankers' implicit assumptions about entrepreneurship are masculinized, and second, the perceptions of bankers impact lending decisions. In addition to these findings, three additional findings shed light on how bank incentives, perceptions of power, and regulations affect commercial lending to women business owners: banks' incentives are unrelated to supporting entrepreneurs, entrepreneurs must prepare for capital access, and regulations change banking decisions about small business lending. The implications of this study include a need for greater understanding of the incentives and secondary markets created by regulation and how those incentives affect women entrepreneurs' access to capital, as well as a need to adopt rules related to demographic reporting in small business lending as mandated by the Dodd-Frank Act of 2010. This study also uncovered a perception of locus of control in the commercial lending process, with some bankers externalizing their perception of power onto the entrepreneurs. The perception of external locus of control, when held by people in positions with decision authority, provides opportunities for them to exercise gendered decision heuristics without accountability and with institutional support, reinforcing gender inequities in small business lending.

Electronic reproduction.
Ann Arbor, Mich. :
ProQuest,
2024

Mode of access: World Wide Web

ISBN: 9798379714086Subjects--Topical Terms:

1002398
Public policy.
Subjects--Index Terms:

Community banksIndex Terms--Genre/Form:

554714
Electronic books.

The Second Glass Ceiling : = Uncovering Barriers to Capital for Women Entrepreneurs in Small Business Lending.
LDR:03750ntm a22004097 4500 001 1143456
005 20240517100606.5
006 m o d
007 cr mn ---uuuuu
008 250605s2023 xx obm 000 0 eng d
020 $a 9798379714086
035 $a (MiAaPQ)AAI30528597
035 $a AAI30528597
040 $a MiAaPQ $b eng $c MiAaPQ $d NTU
100 1 $a Noktes, Ande. $3 1468154
245 1 4 $a The Second Glass Ceiling : $b Uncovering Barriers to Capital for Women Entrepreneurs in Small Business Lending.
264 0 $c 2023
300 $a 1 online resource (118 pages)
336 $a text $b txt $2 rdacontent
337 $a computer $b c $2 rdamedia
338 $a online resource $b cr $2 rdacarrier
500 $a Source: Dissertations Abstracts International, Volume: 84-12, Section: A.
500 $a Advisor: LaRock, JD.
502 $a Thesis (D.L.P.)--Northeastern University, 2023.
504 $a Includes bibliographical references
520 $a Women entrepreneurs make up over 40% of small business owners and are the fastest-growing demographic of new founders but have access to less than 4% of the capital that funds small enterprises each year. Most small business owners visit their local bank as a first step in accessing capital, and lending officers at small local banks have significant authority over the commercial lending process at their institutions. As such, the purpose of this qualitative study was to explore the assumptions lending officers at small banks in the southeastern United States have about the gendered nature of entrepreneurship and the impact of those assumptions on women entrepreneurs' access to capital. In fifteen in-depth interviews, lending officers from small banks in rural and urban areas in the southeastern United States shared their perspectives on barriers facing entrepreneurs as they access capital. Five findings emerged in this study. The first two findings address the research questions: first, bankers' implicit assumptions about entrepreneurship are masculinized, and second, the perceptions of bankers impact lending decisions. In addition to these findings, three additional findings shed light on how bank incentives, perceptions of power, and regulations affect commercial lending to women business owners: banks' incentives are unrelated to supporting entrepreneurs, entrepreneurs must prepare for capital access, and regulations change banking decisions about small business lending. The implications of this study include a need for greater understanding of the incentives and secondary markets created by regulation and how those incentives affect women entrepreneurs' access to capital, as well as a need to adopt rules related to demographic reporting in small business lending as mandated by the Dodd-Frank Act of 2010. This study also uncovered a perception of locus of control in the commercial lending process, with some bankers externalizing their perception of power onto the entrepreneurs. The perception of external locus of control, when held by people in positions with decision authority, provides opportunities for them to exercise gendered decision heuristics without accountability and with institutional support, reinforcing gender inequities in small business lending.
533 $a Electronic reproduction. $b Ann Arbor, Mich. : $c ProQuest, $d 2024
538 $a Mode of access: World Wide Web
650 4 $a Public policy. $3 1002398
650 4 $a Womens studies. $3 1372829
653 $a Community banks
653 $a Banking regulations
653 $a Small business lending
653 $a Women entrepreneurs
653 $a Women-owned small business
655 7 $a Electronic books. $2 local $3 554714
690 $a 0429
690 $a 0505
690 $a 0630
690 $a 0453
710 2 $a ProQuest Information and Learning Co. $3 1178819
710 2 $a Northeastern University. $b Law and Policy. $3 1467906
773 0 $t Dissertations Abstracts International $g 84-12A.
856 4 0 $u http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=30528597 $z click for full text (PQDT)