Vai trò của tổ chức tài chính vi mô đối với sự phát triển các dự án kinh doanh của phụ nữ

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Tác giả: Mỹ Sang Tăng

Ngôn ngữ: vie

Ký hiệu phân loại:

Thông tin xuất bản: Tạp chí Phát triển và Hội nhập, 2023

Mô tả vật lý: tr.18-27

Bộ sưu tập: Metadata

ID: 379388

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Bài nghiên cứu được thực hiện nhằm mục đích tìm hiểu vai trò của tổ chức tài chính vi mô đối với sự phát triển các dự án kinh doanh của phụ nữ tại Thành phố Hồ Chí Minh. Mô hình nghiên cứu có bốn biến độc lập bao gồm tiết kiệm, tiếp cận tài chính vi mô, chương trình huấn luyện kỹ năng, hỗ trợ kinh doanh. Dữ liệu nghiên cứu được khảo sát từ 300 nữ doanh nhân và phân tích bằng phần mềm SPSS. Kết quả nghiên cứu cho thấy việc tiếp cận vốn vay và điều kiện vay chưa phù hợp, các chương trình kỹ năng chưa có hiệu quả. Mức tiết kiệm, tiêu dùng vẫn còn hạn chế, từ đó việc thuê mướn thêm lao động còn gặp nhiều khó khăn. Về mặt lý thuyết, nghiên cứu này đã làm rõ các yếu tố ảnh hưởng đến sự phát triển các dự án kinh doanh của phụ nữ.Trong các yếu tố có tác động thúc đẩy sự phát triển các dự án kinh doanh của phụ nữ thì kết quả nghiên cứu cho thấy có ba yếu tố có tác động gồm tiết kiệm, tiếp cận tài chính vi mô, chương trình huấn luyện kỹ năng. Về mặt thực tiễn, nghiên cứu đề xuất hàm ý một số giải pháp cho các cơ quan quản lý và các tổ chức tài chính vi mô tại Việt Nam nhằm hỗ trợ cho các nữ doanh nhân trong quá trình kinh doanh.The goal of the study is to understanding the role of microfinance institutions in the development of women’s business projects in Ho Chi Minh City. Four independent variables make up the research model: savings, microfinance financial access, skill development programs, and business support. SPSS software was used to analyze survey data from 300 female businessmen. The findings of the research indicate that access to microfinance financial access, loan terms, and skill development initiatives are all inadequate. A lack of savings and limited consumption make it challenging to hire more workers. Theoretically, this study has clarified the variables influencing the growth of female-owned businesses in Ho Chi Minh City. According to the research findings, three factors include savings, access to financing, and skill development programs have an impact on encouraging the development of business projects by women. The proposed study suggests some solutions for Vietnamese regulatory agencies and microfinance organizations to assist female entrepreneurs in their business endeavors.

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