2012年6月16日星期六

Project Syndicate


Women's economic the Project Syndicate,

2012-6-12



WASHINGTON, DC - today's developing countries, about 35% of SMEs owners are women, they accounted for nearly 40% of global workforce. Is expected to 2014, women's consumer spending will reach $ 28 trillion. In addition, women income to invest in health, the field of education and family also benefit the community. Indeed, when it comes to women's economic value, the data will speak for them.
But the World Bank Group's latest research shows that there are 102 countries, discrimination still exists between men and women in 141 countries surveyed - both policy and practice severely limits women's opportunities for economic development. For example, business transactions in many countries, the wife is the husband signed it. Women in developing countries engaged in regular, higher probability of low-efficiency of economic activity; full of discriminatory laws and regulations deprived of their right to own land; also face discrimination in the creation, development of their companies and for companies to raise .
Gender barriers in the investment will not only allow women at a disadvantage; also reduces the overall growth potential of the economy. Indeed, it is expected that some countries there is no such gender barriers will be able to improve 25% of the labor productivity. Moreover, the smallest income gap between men and women of the industry is also just the world's most competitive industries.
In order to enable the country's investment environment is more friendly to women, we will face the following three gender-specific basic and interrelated challenges:
First, women must have legal status.
Second, the need for non-sexist, would not have adverse economic consequences of institutions to provide support for gender-neutral laws.
Third, women should be able to in the Chamber of Commerce and similar systems have more right to speak, so they have a certain influence on key decisions for the female groups.

Indeed, in some of the country's investment environment in the slowly changing, increasingly able to take into account the needs of women entrepreneurs. For example, in Uganda, the Bank increased the amount of the loan to buy land to women; in the Democratic Republic of the Congo, women are able to register their company; in Indonesia, women can substitute collateral to obtain loans.
But in financing also need to give greater space for women entrepreneurs. In many parts of sub-Saharan Africa, women to apply for business loans will not be approved. Women entrepreneurs in Latin America, sometimes, while also able to obtain loans, but the amount is less than that applied. In most developing countries, banks provide only a low level of financial services to women-owned businesses.
Indeed, it is estimated that the annual financial gap for women-owned businesses to 2600-3200 billion U.S. dollars, which affected most medium-sized enterprises.
After all, the microfinance institution for small businesses, traditional banks are more inclined to lend to large enterprises - which makes those medium-sized enterprises can only fend for themselves.
The following is a reference to the example of tailored financial products for women entrepreneurs. Uganda Development Finance Company (Development Finance Company of Uganda, DFCU) Bank for women entrepreneurs tailor a portfolio of commercial loans, leasing, mortgage, and very successful. The DFCU before doing so, the number of women-owned small businesses reached 40%, the availability of credit that they received only 10%. Since 2007, the banking industry has provided for women-owned businesses nearly $ 20 million in loans, a move that also contributed to the economic development of Uganda.
The banking sector should also be noted: Gender-biased lending policies would undermine the economic foundation, which means we will miss a broad and did not develop the market. Indeed, extensive research and experience has shown, policy makers and financial institutions may be better aware of this, if there were no women actively participate in sustainable growth can not be achieved.


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