Original Research

An investigation into the financial barriers facing women entrepreneurs operating in SMMEs in Tshwane, South Africa

Evelyn Chiloane-Tsoka
Journal of Economic and Financial Sciences | Vol 6, No 2 | a264 | DOI: https://doi.org/10.4102/jef.v6i2.264 | © 2018 Evelyn Chiloane-Tsoka | This work is licensed under CC Attribution 4.0
Submitted: 27 June 2018 | Published: 31 July 2013

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Evelyn Chiloane-Tsoka, Department of Business Management, University of South Africa, South Africa

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The South African women emancipation policy statement and gender equality are critical tools established by government to eradicate poverty among entrepreneurs operating in small business. Khula was established to act as a financial wholesaler to emerging entrepreneurs who needed finance to start and grow businesses. The Small Enterprise Development Agency was established to provide training needs to small business operators. Lack of finance is a major stumbling block to women entrepreneurs reaching their full economic potential in South Africa. Financial collaterals are barriers for women operating in SMMEs in Tshwane. The objective of the study was to investigate the financial barriers facing women entrepreneurs in Tshwane when starting or growing businesses. In order to achieve the results a structured questionnaire and interviews were used as method of collecting data. A sample of 300 women operating SMMEs in six townships of the Tshwane metropolitan area was analysed per a quota of 50 businesses per township. The results indicate that women entrepreneurs lack the financial collateral that is demanded by financial institutions when applying for finance to start or grow their business.


entrepreneurship; women; financial collateral; financial institutions and SMMEs


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