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Information Resources Management Association
Advancing the Concepts & Practices of Information Resources Management in Modern Organizations

Gender, ICT, and Micro-Loans for Small Business Operations in Ghana

Gender, ICT, and Micro-Loans for Small Business Operations in Ghana
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Author(s): Alice S. Etim (Winston-Salem State University, USA)and David N. Etim (University of Connecticut, USA)
Copyright: 2023
Pages: 16
Source title: Research Anthology on Microfinance Services and Roles in Social Progress
Source Author(s)/Editor(s): Information Resources Management Association (USA)
DOI: 10.4018/978-1-6684-7552-2.ch016


View Gender, ICT, and Micro-Loans for Small Business Operations in Ghana on the publisher's website for pricing and purchasing information.


In many underserved communities in Sub-Saharan Africa (SSA), including those in Ghana, there are microfinance institutions (MFIs) that provide small non-collateralized loans (or micro-loans) to entrepreneurs, including women entrepreneurs. The micro-lending activities, especially those channeled through entrepreneurship programs, were reported as being helpful and allowed for financial inclusion. However, Anaman and Pobbi evaluated performance and reported that some of the MFIs were becoming a burden because of steep interest rate charges and loan default, raising a need for borrowers to use relevant information and communication technology (ICT) tools and services to support business operations. This chapter reports a study on the differences in attitudes of female versus male borrowers of micro-loans and their use of ICT to support small business operations in Ghana.

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