Seeking credit: a small business Owner's journey

Purpose –The objective of this study is to delve into the challenges that female entrepreneurs encounter when seeking access to credit and to examine the strategies they employ to overcome these hurdles. A case study was conducted, involving interviews with an Italian businesswoman in the food sector. Access to credit emerges as a vital tool for enhancing the economic standing of these enterprises and fostering gender equality. Existing literature corroborates the presence of various obstacles faced by women when applying for credit, such as lower incomes and a lack of financial literacy (Perrin et al., 2023). These barriers present a significant challenge in securing the necessary resources both for initiating and expanding their ventures. Methodology -This study employs qualitative research, utilizing a pilot single case study approach to analyze real-life events (Yin, 2003). The case study method enables detailed data analysis within a specific context, exploring contemporary phenomena through limited events or conditions and their relationships (Yin, 2009). Additionally, it allows researchers to articulate the significance of social actions and events, facilitating a nuanced interpretation of their meanings (Covaleski and Dirsmith, 1990). Originality/Value -This study provides valuable insights and evidence based on the experience of a small businesswoman in the food sector. It reveals that one of the factors limiting her access to credit may stem from cultural factors, not just gender perspectives. Practical Implications -The financial sectors and policymakers could adopt a unified approach to foster financial inclusion by designing programs for entrepreneurs in collaboration with various governmental and non-governmental institutions (Onoshakpor et. al, 2023). From a theoretical standpoint, these contributions identify conceptual gaps in understanding credit access and its perception across contexts and regions, aiding the development of solid theoretical frameworks. Future research suggests exploring communication channels between banking institutions and female entrepreneurs, as well as financial products tailored to small businesswomen. Keywords –Entrepreneurship, Access to Finance, Gender Papertype – AcademicResearch