Purpose

This paper aims to provide insights on the void between the needs and demands of bank finance from female entrepreneurs and the supply, as well as the approaches of banks for that finance. In addition, it creates a conceptual framework recognising a tripartite and dynamic partnership amongst female entrepreneurs, banks and governments as essential to female entrepreneurship-development, based on Zambia as the context.

Design/methodology/approach

Concepts and theories are explained to construct a conceptual framework using the lens of multi-polar network theory and stakeholder engagement theory. In-depth discussions are facilitated through a bilateral partnership between each party and tripartite partnerships amongst female entrepreneurs, banks and governments.

Findings

The framework presents how female entrepreneurs, banks and governments are interconnected in the network as mutually benefiting stakeholders and shows their collective contribution to female entrepreneurship-development within certain contexts. The findings suggest that the sustainable development of female entrepreneurship depends on a dynamic tripartite partnership amongst female entrepreneurs, banks and governments.

Research limitations/implications

The conceptual framework has important implications when setting up a nation’s enterprise development strategies and policies promoting inclusivity and diversity amongst a nation’s entrepreneurs. The contributions and the dynamic relationship of the three stakeholder groups should be acknowledged and considered to achieve sustainable development in female entrepreneur enterprises. The framework can be generalised to other emerging economies with similar social, economic and cultural profiles to Zambia, particularly in sub-Saharan African countries with patriarchal norms.

Originality/value

This paper extends multi-polar (network) theory and stakeholder management engagement theory, previously explained in homogeneous firms, to more complex and dynamic partnerships amongst heterogeneous organisations, i.e. female entrepreneurs, banks and governments.

中文翻译：

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女性企业家、银行和政府在女性创业发展方面的三方伙伴关系：以赞比亚为例

目的

本文旨在就女性企业家对银行融资的需求和供给之间的空白提供见解，以及银行提供融资的方法。此外，它创建了一个概念框架，以赞比亚为背景，承认女性企业家、银行和政府之间的三方和动态伙伴关系对于女性企业家精神发展至关重要。

设计/方法/方法

使用多极网络理论和利益相关者参与理论的镜头解释概念和理论以构建概念框架。通过双方之间的双边伙伴关系以及女性企业家、银行和政府之间的三方伙伴关系，促进了深入讨论。

发现

该框架展示了女性企业家、银行和政府如何作为互惠互利的利益相关者在网络中相互联系，并展示了她们在特定背景下对女性创业发展的集体贡献。研究结果表明，女性企业家精神的可持续发展取决于女性企业家、银行和政府之间充满活力的三方伙伴关系。

研究限制/影响

在制定国家企业发展战略和政策以促进国家企业家的包容性和多样性时，概念框架具有重要意义。应该承认和考虑三个利益相关者群体的贡献和动态关系，以实现女性企业家企业的可持续发展。该框架可以推广到与赞比亚具有相似社会、经济和文化特征的其他新兴经济体，特别是在具有父权制规范的撒哈拉以南非洲国家。

原创性/价值

本文将以前在同质公司中解释过的多极（网络）理论和利益相关者管理参与理论扩展到异质组织之间更复杂和动态的伙伴关系，即女性企业家、银行和政府。