Journal of Business and Social Review in Emerging Economies

Performance of Women Entrepreneurs: Does Financial Literacy Really Matter?

Subeika Rizvi, Bashir Ahmad — Sun, 31 Mar 2024 00:00:00 +0000

Purpose: The aim of the research is to investigate the impact of financial literacy and its dimensions on the women entrepreneurial success. The focus of the study is on the women entrepreneurs of Pakistan and examines the relationship between the dimensions of financial literacy like financial management, saving, debt, insurance and investment literacy and the performance of the women run enterprise. The inclusion and participation of the women is a key indicator for the progress and development of a country.

Design/Methodology/Approach: The study employs a quantitative approach where survey questionnaires were the primary research method employed to collect the data. Data was collected from 284 women entrepreneurs form the major metropolitan cities in Pakistan. These women were selected using purposive sampling and the data was then analysed using the partial least square structural equation modeling (PLS-SEM) technique.

Findings: The finding of the study suggests that the overall financial literacy level of women entrepreneurs is impacting the success and growth of their ventures. Moreover, all the dimensions of the financial literacy were positively and significantly related to the success.

Implications/Originality/Value: This research advances the argument that the financial literacy is a contributing factor in the entrepreneurial success of the business.

Mapping the Research Landscape: Bibliometric Insights into Sustainability Governance and Sustainability Performance

Zahid Abbas, Rehana Kouser, Zeeshan Mahmood — Sun, 31 Mar 2024 00:00:00 +0000

Purpose: This study aims to outline the most important journals, authors, current trends, and themes related to sustainability governance and sustainable performance of top UK firms that make up the FTSE Russell 500 Index. It also synthesizes existing literature and findings in this area.

Design/Methodology/Approach: Our study covered three decades, from 2001 to 2024, and included 165 studies from 144 scientific journals that were selected for bibliometric analysis. Three significant streams have been discovered by our research: First one is to explore the impact of sustainability governance on sustainability performance and second, third is importance & popular area/subject that is frequently cited in sustainability governance and sustainable performance and next research agenda through selected papers.

Findings: Thematic map classifies the impact of sustainability governance and performance relationship themes into three classes including niche’s themes related to sustainability and performance, evolution map related to sustainability development and ESG/ESE and emerging/declining themes related to sustainability governance with sustainability performance.

Implications/Originality/Value: By means of this research, researchers, community authorities, governance of the companies, and consultants of businesses will comprehend the situation regarding sustainable governance and sustainability performance through ESG/ESE. In conclusion, we highlight the most significant practical findings and list the areas that still require research.

Causality Assessment of Bankers’ Perceptions and Bank Specific Indicators on the Non-Performing Loans: An Empirical Analysis of the Commercial Banks of Pakistan

Zill-i-Jannat, Muhammad Abbas, Rabia Rasheed — Sun, 31 Mar 2024 00:00:00 +0000

Objective: Non-performing loans have become a chronic problem in the banking industry of Pakistan over the last few decades. In this aspect, the study assessed the causal impact of Banks’ specific factors and bankers’ perceptions on non-performing loans.

Methodology: The study is based on the data collected from 170 bankers of ten Commercial Banks of Pakistan. From bankers’ perspective, the study reported that the manager’s capability, the society’s orientation, interest waiver, and lenient credit terms have a negative impact on non-performing loans.

Findings: In the light of finding the study suggests that the banks need to strengthen their internal control system and accountability arrangement for selecting genuine borrowers. Besides, the banks need to address moral hazard i.e. the borrowed funds are being used for the intended purpose.

Implications: The study concludes that the banks may formulate an effective loan policy and revamp procedures within different phases of the “loan cycle”.