International Journal of Technology and Applied Science

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Breaking Barriers: Women Entrepreneurs' Access to Credit and Rural Market Opportunities in Guntur District

Author(s) Dr. Bandi Sudhakar Reddy
Country India
Abstract This study examines the challenges and opportunities faced by women entrepreneurs in accessing credit facilities and rural market opportunities in Guntur District, Andhra Pradesh. Through a mixed-methods approach involving 250 women entrepreneurs across rural and semi-urban areas, the research identifies significant barriers, including collateral requirements, complex documentation processes, and limited financial literacy. The findings reveal that while government schemes like MUDRA and Stand-Up India have improved access, implementation gaps persist. Women entrepreneurs in agriculture-based ventures show higher success rates (68%) compared to service sector enterprises (42%). The study demonstrates that simplified credit procedures and targeted capacity-building programs can increase women's participation in entrepreneurship by 34%. Key recommendations include establishing women-only financial service centers, digitizing loan processes, and creating sector-specific mentorship programs. This research contributes to understanding gender-specific entrepreneurial challenges in rural contexts and provides actionable insights for policymakers and financial institutions to enhance women's economic empowerment.
Keywords women entrepreneurs, rural credit access, financial inclusion, Guntur District, microfinance, gender barriers, rural markets, entrepreneurship development.
Published In Volume 10, Issue 7, Array 2019
Published On 2019-07-10
Cite This Breaking Barriers: Women Entrepreneurs' Access to Credit and Rural Market Opportunities in Guntur District - Dr. Bandi Sudhakar Reddy - IJTAS Volume 10, Issue 7, Array 2019.
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