Female Entrepreneurs in Microfinance â??A Field Study to Serbia and Montenegro

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With a special emphasize on female entrepreneurs, this Master Thesis evaluates the access to credit for poor female entrepreneurs in Serbia and Montenegro. Secondly, it evaluates if targeting women in microfinance will enhance the empowerment of women as well as economic development. Further, it examines if the today present microfinance organisations in the region can fulfil the possible gaps in the access to credit for female entrepreneurs. The access to credit is a lot more problematic for the female entrepreneurs in Serbia and in Montenegro. It has been found that there are several advantages related to involving women in microfinance, economic as well as social. The need for microfinance is probably larger among female entrepreneurs than among male ones. Thus there is a need to target female entrepreneurs. The present microfinance institutions in the area are too few to be able to cover the total need. Thus there is a need of an expansion of the microfinance market, as well as an increased focus on female clients. However, there are indications that microfinance alone would not be sufficient in addressing the various obstacles facing female entrepreneurs. Additional training and consciousness-raising activities are also needed in order to empower women. Improvements of female entrepreneurs?? circumstances are of importance, not only from the women??s view, but from a societal view. However, the e...