The Financing of Diverse Enterprises: Evidence from the SME Finance Monitor

Sara Carter, Samuel Mwaura

Research output: Working paper

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This paper contributes to our understanding of the finance issues currently facing diverse SMEs by presenting a new analysis of the SME Finance Monitor. While prior studies have contributed substantial evidence regarding the effects of either gender or ethnicity on finance outcomes, these analyses have typically focused on either women-owned or ethnic minority owned enterprises. This study considers the experiences and outcomes of both women-owned and ethnic minority-owned enterprises, including the interaction effects of ethnicity and gender.
Original languageEnglish
Place of PublicationWarwick
PublisherEnterprise Research Centre
Number of pages58
Publication statusPublished - 19 May 2014

Publication series

NameERC Research Paper


  • finance
  • diversity
  • SME
  • women-owned businesses
  • ethnic minority-owned businesses
  • existing borrowers
  • new/renewed borrowers
  • declined borrowers
  • partial borrowers
  • potential borrowers
  • non-borrowers


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