The purpose of this paper is to investigate performance drivers of women-owned businesses that are funded primarily through microcredit. It draws on Storey’s theory of small business growth and family embeddedness axiom to examine the factors that drive the performance of businesses that are funded primarily through microcredit.,The paper uses a cross-sectional survey that covered 208 women business owners who had access to microcredit. The authors use a logistic regression analysis to model the relationship between independent variables and enterprise performance.,The paper demonstrates that microcredit plays a significant role in business performance. The credit amount has the most significant influence on the enterprise capital base, whereas the effect on profits is insignificant. Also, owners are more likely to report growth in profits if they possess skills in business management. In addition, younger business owners and necessity entrepreneurs are more likely to report success in their businesses. Other factors that have a significant effect on business performance are product cycle, loan use and family support.,Many women in Tanzania are entering business ownership and depend on microcredit as their primary source of capital for starting and growing their businesses. However, just a few businesses grow into small and medium-sized enterprises. For informed policy decisions, it is important that the factors influencing the performance of funded businesses are known and well understood. This understanding will help the government and development practitioners assist women in achieving business growth rates that could warrant their empowerment and poverty reduction prospects.

中文翻译：

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坦桑尼亚妇女拥有的小额信贷资助企业的业绩推动因素

本文的目的是调查主要由小额信贷资助的女性所有企业的绩效驱动因素。它利用Storey的小企业成长和家庭包容性公理理论来研究驱动主要通过小额信贷资助的企业绩效的因素。本文采用横断面调查，涵盖了208位获得小额信贷的女性企业主。作者使用逻辑回归分析对自变量与企业绩效之间的关系进行建模。本文证明，小额信贷在企业绩效中起着重要作用。信用额度对企业资本金的影响最大，而对利润的影响则微不足道。还，如果业主拥有业务管理技能，他们更有可能报告利润增长。此外，年轻的企业主和必要的企业家更有可能报告其业务成功。其他对业务绩效有重大影响的因素是产品周期，贷款使用和家庭支持。坦桑尼亚的许多妇女正在进入企业所有权，并依靠小额信贷作为其创办和发展业务的主要资金来源。但是，只有少数企业成长为中小型企业。对于明智的政策决策，了解和充分理解影响受资助企业绩效的因素很重要。