金融包容性与低收入女性新创企业启动:一项实地实验

Financial inclusion and low-income women's new venture initiation: A Field experiment

JOURNAL OF BUSINESS VENTURING · 2025
被引 4
人大 AFT50ABS 4*

中文导读

通过实地实验发现,拥有银行账户能提升低收入女性的理财技能、机会识别和创业自信,从而促进新创企业启动,但在性别规范严格的环境中这种作用会减弱。

Abstract

• Financial inclusion—access to formal banking—positively influences new venture creation among low-income women. • The link between bank account ownership and venture creation weakens for women in highly restrictive gender norm contexts. • Having a bank account boosts women’s money skills, opportunity recognition, and entrepreneurial self-efficacy. • The indirect effects are weaker for women in contexts with high vs. low restrictive gender norms.

金融包容性创业性别研究低收入女性实地实验