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Microfinance and Small Enterprise Development of Urban Market Women in Ghana Eddy Floide Ignanga Bigoundou; Anita Bans-Akutey; Cynthia Oduro-Nyarko; Emelia Ohene Afriyie; Lawrencia Irene Opare Darko
International Journal of Financial, Accounting, and Management Vol. 7 No. 4 (2026): March
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ijfam.v7i4.3433

Abstract

Purpose: This study examines how microfinance influences small enterprise development among market women in Ghana’s urban market setting. Specifically, this study examined the accessibility of microfinance services to urban market women, assessed the effect of microfinance services on the growth of small enterprises of urban market women, and examined the relationship between microfinance repayment structures and the financial performance of urban market women. Research Methodology: Quantitative data were collected from 278 market women, who were purposively selected from a market in an urban area located in the Greater Accra Region of Ghana, using a structured questionnaire. Results: The findings reveal that microfinance services are relatively accessible to urban market women in Ghana, with a significant positive effect of microfinance services on the growth of small enterprises of urban market women, as well as a significant positive relationship between microfinance repayment structures and the financial performance of small enterprises of urban market women. Conclusions: This study concludes that microfinance serves as a powerful instrument for women’s economic empowerment when implemented using gender-sensitive approaches. Limitations: This study is limited by its focus on urban market women, which overlooks the experiences of rural women and other small-scale entrepreneurs facing different constraints. Contributions: This study shows how microfinance empowers urban market women through improved access to credit, business growth, and enhanced livelihoods. It also advances the understanding of gendered entrepreneurship in Ghana by showing how financial inclusion intersects with women’s economic development.
Promises Versus Realities: A Review of the Four UN World Conferences Anita Bans-Akutey; Randy Mawuse Bans-Akutey
Journal of Multidisciplinary Academic Business Studies Vol. 3 No. 4 (2026): August
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jomabs.v3.n4.p205-219.2026

Abstract

Purpose: This study examines the promises and realities of strategies articulated during the four United Nations World Conferences on Women held between 1975 and 1995. The aim is to evaluate both the successes and shortcomings of these global efforts to integrate women into development Methodology: This paper adopts a qualitative review approach, drawing on policy documents, conference reports, scholarly literature, and feminist theoretical frameworks. It systematically analyses the outcomes of the conferences in Mexico City on 1975, Copenhagen on 1980, Nairobi on 1985, and Beijing on 1995 with attention to their global scope and impact, especially in the Global South. Results: Findings indicate a clear gap between formal commitments and actual outcomes. The analysis identifies several critical challenges, including weak enforcement and accountability mechanisms, the predominance of Western-centric feminist frameworks that limit contextual relevance, and enduring structural inequalities that continue to hinder meaningful and sustained transformation. Conclusions: The study concludes that although the strategies were ground-breaking in intent, they produced mixed results. The gap between promises and reality reflects both political compromises and the difficulty of translating international declarations into national and local action. Limitations: The reliance on secondary sources and the absence of primary field data from conference participants or national stakeholders limit this study. Contributions: This study contributes to gender and development studies by providing a historical perspective on global gender policy frameworks. It offers insights for scholars, policymakers, and practitioners engaged in advancing sustainable development on gender equality, while also informing future strategies for integrating women into development.