EXAMINING THE FACTORS AFFECTING WOMEN ENTREPRENEURS’ ACCESS TO INSTITUTIONAL FINANCE

When women entrepreneurs want to be included in economic life, they face a number of advantages and disadvantages. Especially the problems encountered in access to finance make it difficult for women entrepreneurs to participate in economic life. It is very significant to provide those women entrepreneurs have access to institutional finance so that they can take part in the working life and contribute to the economic development of the country. In this research, the factors affecting the access of women entrepreneurs to finance in Türkiye were examined. The population of the research is 121 women entrepreneurs operational in the province of Erzincan, and data was collected by conducting a survey on these people. Factor analysis, independent sample t-test and one-way analysis of variance were used in the study to evaluate the obtained data. With respect to the findings, it was determined that the order of difficulties experienced by women entrepreneurs in accessing institutional finance is as follows: suspiciousness, difficulty, collateral dispute and long process, protection attitude and prejudice.