KADIN GİRİŞİMCİLERİN FİNANSAL SORUNLARININ ÇÖZÜMÜNDE BANKACILIK SEKTÖRÜNÜN ROLÜ ÜZERİNE BİR ANALİZ

Öz

Ekonomik ve sosyal kalkınmada önemli rol oynayan girişimcilik faaliyetleri geçmişten günümüze kadar toplumların değişiminde önemli etkisi olmuştur. Girişimciler ürettikleri fikirleri hayata geçirmek için risk alırlar. Yeni ya da verimsiz kullanılan kaynakları ekonomiye kazandırmak için girişimcilik süreçlerini başlatırlar. Girişimcilik faaliyetleri ülkelerin ekonomisine ve kalkınmasına katkı sağlarken, milli gelir ve refah seviyelerinin artmasına paralel olarak aynı zamanda toplumdaki sosyal ve kültürel değişime de önemli katkılar sağlar. Dolayısıyla bir ülke ekonomisinin ve toplumun kalkınmışlık seviyesi sahip oldukları girişimcilik faaliyetlerine bağlıdır. Bundan dolayı birçok ülke, girişimcilik faaliyetlerini teşvik etmek ve desteklemek için çeşitli politikalar üretirler. Ancak dünya nüfusunun yarısını oluşturan kadınlar, toplum içinde kendilerine biçilen roller nedeni ile gerek ekonomik gerekse sosyal alanlarda ikinci planda yer almışlardır. Kadınların gerek iş dünyası içinde girişimci olarak, gerekse istihdamın içinde profesyonel olarak yer almaları, kadınların sadece bireysel yaşamlarına değil, toplumsal yaşama da olumlu katkı sağlar. Ancak kadınların iş dünyasına atılmalarının önünde bazı engeller bulunuyor. Toplum içinde kadına atfedilen roller, eğitim olanaklarına ulaşım ve sermaye yetersizliği kadınların girişimci olmalarının önündeki önemli engellerdir. Kadın girişimciler, erkek girişimciler kadar kolay finansal kaynaklara ulaşamıyorlar. Bu çalışmanın amacı, kadın girişimcilerin finansal kaynaklara ulaşımda yaşadığı sorunlar ele alınarak finans kuruluşların ve bankaların kadın girişimcilere bakışı ve finansal sorunlarına olan destek boyutunun incelenmesidir.

Anahtar Kelimeler

• Girişimcilik
• Kadın
• Türkiye
• Finansal Kuruluşlar
• Bankacılık

AN ANALYSIS OF THE ROLE OF THE BANKING SECTOR IN SOLVING THE FINANCIAL PROBLEMS OF WOMEN ENTREPRENEURS

Öz

Entrepreneurial activities, which play a significant role in economic and social development, have had a considerable impact on societal change from the past to the present. Entrepreneurs take risks to bring their ideas to life. They initiate entrepreneurial processes to bring new or inefficiently used resources into the economy. While entrepreneurial activities contribute to the economy and development of countries, they also make significant contributions to social and cultural change in society, parallel to the increase in national income and welfare levels.Therefore, the level of development of a country's economy and society depends on the entrepreneurial activities it possesses. For this reason, many countries produce various policies to encourage and support entrepreneurial activities. However, women, who constitute half of the world's population, have been relegated to secondary roles in both economic and social fields due to the roles assigned to them in society. The participation of women, both as entrepreneurs in the business world and as professionals in employment, contributes positively not only to their individual lives but also to social life. Through entrepreneurial activities, women contribute not only to the family economy but also to the national economy. However, there are some obstacles preventing women from entering the business world. The roles assigned to women in society, lack of access to education, and insufficient capital are significant obstacles to women becoming entrepreneurs. Female entrepreneurs do not have as easy access to financial resources as male entrepreneurs. The aim of this study is to examine the problems faced by female entrepreneurs in accessing financial resources, as well as the perspectives of financial institutions and banks towards female entrepreneurs and the extent of their support for their financial problems.

Anahtar Kelimeler

• entrepreneurship
• women
• Turkey
• financial institutions
• banking

Kaynakça

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