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Financial exclusion challenges affecting female owned SMEs’ growth and development in Botswana
Dissertation (MBA)--University of Pretoria, 2023
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| Other Authors: | |
| Format: | Thesis |
| Language: | English |
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University of Pretoria
2024
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| _version_ | 1867613719181131776 |
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| access_status_str | Open Access |
| author | Direng, Oratile |
| author2 | Mathibe, Tshidi |
| author_browse | Direng, Oratile Mathibe, Tshidi |
| author_facet | Mathibe, Tshidi Direng, Oratile |
| author_sort | Direng, Oratile |
| collection | Thesis |
| dc_rights_str_mv | © 2023 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. |
| description | Dissertation (MBA)--University of Pretoria, 2023 |
| format | Thesis |
| id | oai:repository.up.ac.za:2263/95572 |
| institution | University of Pretoria (South Africa) |
| language | English |
| last_indexed | 2026-06-10T12:40:36.899Z |
| license_str | Other — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UPSpace — University of Pretoria Institutional Repository |
| publishDate | 2024 |
| publishDateRange | 2024 |
| publishDateSort | 2024 |
| publisher | University of Pretoria |
| publisherStr | University of Pretoria |
| record_format | dspace |
| source_str | UPSpace — University of Pretoria Institutional Repository |
| spelling | oai:repository.up.ac.za:2263/95572 Financial exclusion challenges affecting female owned SMEs’ growth and development in Botswana Direng, Oratile Mathibe, Tshidi Financial exclusion Gender bias Female-owned SMEs Business growth Qualitative research Dissertation (MBA)--University of Pretoria, 2023 This research investigates the possible benefits and challenges that come with financial inclusion for small and medium-sized enterprises (SMEs) in Botswana that are owned by women. It focuses on three main research questions: firstly, the challenges brought about by financial exclusion; secondly, the benefits of financial inclusion for these enterprises; and thirdly, recommendations for addressing financial exclusion challenges. The lived experiences and perspectives of female SME owners who have experienced financial exclusion were captured through the use of a phenomenological qualitative research approach. Data was collected through semi-structured interviews, and thematic and narrative analysis methods were used. The research utilised an inductive approach, making sure that the findings were obtained straight from the collected data. The results reveal insight of barriers that female business owners reported, like gender biases and exclusive banking policies. Women stated the importance to overcome these impediments in order to promote economic diversity and growth in Botswana. The results also emphasise the importance of financial inclusion to these business's existence and growth, to resolving cash flow issues, and lowering unemployment. Further interrogation of the study results led to development of a theoretical framework offering a strategic approach to addressing of women’s financial exclusion. The approach proposes tactics like purposeful hiring in government agencies, changing banking rules and gender audits. The framework seeks to inform policy makers, service providers, financiers and female business owners’ supporters in coming up with interventions advancing gender parity. pagibs2024 2024-04-16T08:37:54Z 2024-04-16T08:37:54Z 2024-04-17 2024-04-17 Mini Dissertation * A2024 http://hdl.handle.net/2263/95572 en © 2023 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. application/pdf University of Pretoria |
| spellingShingle | Financial exclusion Gender bias Female-owned SMEs Business growth Qualitative research Direng, Oratile Financial exclusion challenges affecting female owned SMEs’ growth and development in Botswana |
| title | Financial exclusion challenges affecting female owned SMEs’ growth and development in Botswana |
| title_full | Financial exclusion challenges affecting female owned SMEs’ growth and development in Botswana |
| title_fullStr | Financial exclusion challenges affecting female owned SMEs’ growth and development in Botswana |
| title_full_unstemmed | Financial exclusion challenges affecting female owned SMEs’ growth and development in Botswana |
| title_short | Financial exclusion challenges affecting female owned SMEs’ growth and development in Botswana |
| title_sort | financial exclusion challenges affecting female owned smes growth and development in botswana |
| topic | Financial exclusion Gender bias Female-owned SMEs Business growth Qualitative research |
| url | http://hdl.handle.net/2263/95572 |
| work_keys_str_mv | AT direngoratile financialexclusionchallengesaffectingfemaleownedsmesgrowthanddevelopmentinbotswana |