Gender, borrowing patterns and self-employment: some evidence for England

Vania Sena*, Jonathan Scott, Stephen Roper

*Corresponding author for this work

Research output: Contribution to journalArticlepeer-review


The purpose of this paper is twofold. First, we try to identify whether women have different borrowing patterns from men when trying to get into self-employment along with the factors that explain these different propensities. Second, we try to quantify the impact of these differences in borrowing propensity on women's willingness to become self-employed. The empirical analysis is carried out on a sample of individuals drawn from the English Household Survey of Entrepreneurship, 2003. Our results show that (1) women are less likely than men to seek external finance and that (2) gender differences in access to finance are affecting adversely the transition into self-employment.

Original languageEnglish
Pages (from-to)467-480
Number of pages14
JournalSmall Business Economics
Issue number4
Early online date13 Mar 2012
Publication statusPublished - May 2012


  • external funding
  • self-employment
  • women


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