Women and Credit: Access to Credit for Micro and Small Female Entrepreneurs, Including Collective Enterprises in India

This report delves into micro and small women entrepreneurs’ credit journey and explores demand and supply-side factors. The study shares insights on credit requirements, experiences, challenges, and credit success determinants for individual and collective women-led enterprises. It also identifies five key personas of female borrowers.

The report shares the supply-side experiences of bankers and other organizations who directly or indirectly lend to women entrepreneurs. It shares some novel methods and good practices supply-side stakeholders implement to mitigate and distribute credit risk. Ultimately, it provides key recommendations to enhance access to credit for women entrepreneurs.