PMMA-12517 Access to Credit and Women Entrepreneurship: Evidence from Bangladesh
This paper intends to assess the impact of access to microcredit on women’s entrepreneurship in
Bangladesh. The descriptive statistics and multivariate techniques have been used to achieve
the objective of the paper. The study uses Household Income and Expenditure survey (HIES) 2010
dataset. The HIES 2010 survey covers 12,240 households from all districts in the country.
Considering the endogeneity in the microcredit program participation of women, the study uses
an instrumental variables technique (IV method) to assess the impact of access to microcredit
on the entrepreneurial status of women. After adjustment for the endogeneity, the results from
the multivariate analysis indicate that access to microcredit has a significant and positive
impact on women’s entrepreneurship. It also has a significant and positive impact on men’s
entrepreneurship and the marginal effects of access to microcredit are stronger on men’s
entrepreneurship than on women’s entrepreneurship.