Roper, Stephen and Scott, Jonathan M.. (2009) Perceived financial barriers and the start-up decision: an econometric analysis of gender differences using GEM data. International Small Business Journal, Vol.27 (No.2). pp. 149-171. ISSN 0266-2426

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Abstract

Although accessing finance is key to the foundation of any business, particular concerns have been expressed about the ability of UK women-owned firms to obtain external failure. In this article we use an econometric approach to explore the effect of perceptions of financial barriers to start-up on the start-up decision itself. Our analysis is based on the Global Entrepreneurship Monitor (GEM) UK 2004 database. Standardizing for a range of individual characteristics, we find that women are around 7.4% more likely to perceive financial barriers to business start-up than men. As perceptions of financial barriers are linked negatively to the start-up decision, stronger perceptions of financial barriers among women are having a disproportionate effect on women's start-up decision, not linked to financial barriers. Policy responses, therefore, need to take into account the demand-side with the aim of countering the more negative perceptions of star-up finance among potential women enterpreneurs. Mentoring and confidence-building programmes are obvious possibilities. We also find support for the value of university and college-based work experience programmes.

Item Type:	Journal Article
Subjects:	H Social Sciences > HF Commerce H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management
Divisions:	Faculty of Social Sciences > Warwick Business School > Centre for Small & Medium-Sized Enterprises Faculty of Social Sciences > Warwick Business School > Entrepreneurship, Innovation & Management Faculty of Social Sciences > Warwick Business School
Journal or Publication Title:	International Small Business Journal
Publisher:	Sage Publications Ltd.
ISSN:	0266-2426
Official Date:	April 2009
Volume:	Vol.27
Number:	No.2
Number of Pages:	23
Page Range:	pp. 149-171
Identification Number:	10.1177/0266242608100488
Status:	Peer Reviewed
Publication Status:	Published
Access rights to Published version:	Restricted or Subscription Access
URI:	http://wrap.warwick.ac.uk/id/eprint/28284

Data sourced from Thomson Reuters' Web of Knowledge

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