Gender-Based Attitudes and Preference Regarding Start-up and Ongoing SME Financing, Financial Structure and Risk

John R. Hendon, Joseph R. Bell


This paper discusses the results of a statistical analysis of gender differences identified from a recent survey analyzing financing options for small businesses, owners attitudes toward different financing options, and real or perceived difficulties encountered in gaining financing for growth.

The survey instrument was designed to address two primary aspects of financing within small businesses – availability/use of outside debt or equity funds, and owner attitudes toward various funding options. The instrument was administered to businesses in the Arkansas Small Business and Technology Development Center (ASBTDC) data base. Selected results of the statistical analysis will be presented in this paper.

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