Financial Access of Women-Owned Small and Medium-Sized Enterprises in Viet Nam
This working paper identifies challenges in access to finance for women-owned small and medium-sized enterprises (SMEs) in Viet Nam and recommends ways to improve it.
Out of 27 banks surveyed, the authors found that only 5 cater to the specific needs of SMEs owned by women. The paper proposes ways of incentivizing financial institutions to invest in this market segment. These include requiring gender-disaggregated data reporting, boosting knowledge on gender lens investing, improving guarantee schemes, and promoting lending to women-owned SMEs as an active hedge against portfolio deterioration. The paper recommends that financial institutions introduce regular tracking of gender-disaggregated data at portfolio level, design and implement gender lens strategies, and develop products and services better tailored to the needs and preferences of women-owned businesses.
Contents
- Introduction
- Key Findings
- Selected Initiatives for Improving Access to Finance of Women-Owned Small and Medium-Sized Enterprises
- Conclusions and Recommendations
- References
- Appendixes
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