REFERENCES
- ABOR , J and BIEKPE , N . 2006 . MSEs' access to debt finance: a comparison of male-owned and female-owned businesses in Ghana . International Journal of Entrepreneurship and Innovation , 7 ( 2 ) : 105 – 12 .
- BERGER , M . 1989 . Giving women credit: the strengths and limitations of credit as a tool for alleviating poverty . World Development , 17 ( 1 ) : 1017 – 32 .
- DANIELS , L . 1999 . The role of small enterprises in the household and national economy in Kenya: a significant contribution or a last resort? . World Development , 27 ( 1 ) : 55 – 65 .
- DANIELS , L and MEAD , D C . 1998 . The contribution of small enterprises to household and national income in Kenya . Economic Development and Cultural Change , 47 ( 1 ) : 45 – 71 .
- DANIELS , L and NGWIRA , A . 1993 . Results of a nation-wide survey on micro, small and medium enterprises in Malawi , Bethesda, MD : Development Alternatives Inc . GEMINI (Growth and Equity through Microenterprise Investments and Institutions) Technical Report No. 53
- EBONY CONSULTING INTERNATIONAL & NATIONAL STATISTICAL OFFICE . 2000 . Malawi national GEMINI MSE baseline survey 2000 , Zomba : National Statistical Office .
- GOVERNMENT OF MALAWI . 1999 . Micro and small enterprise policy statement , Lilongwe : Ministry of Commerce and Industry .
- GOVERNMENT OF MALAWI . 2002 . Malawi poverty reduction strategy paper , Lilongwe : Ministry of Finance and Economic Planning .
- HEILBRUNN , S . 2004 . Impact of gender on difficulties faced by entrepreneurs . International Journal of Entrepreneurship and Innovation , 5 ( 3 ) : 159 – 65 .
- JIGGINS , J . 1989 . How poor women earn income in sub-Saharan Africa and what works against them . World Development , 17 ( 1 ) : 953 – 63 .
- KIMUYU , P . 2002 . Micro-level institutions and revenue generation: insights from Kenya's small business sector , Nairobi, , Kenya : Institute of Policy Analysis and Research . Discussion Paper No. 030/2000
- LELE , U . 1986 . Women and structural transformation . Economic Development and Cultural Change , 34 ( 2 ) : 195 – 221 .
- LOSCOCCO , K A , ROBINSON , J , HALL , R H and ALLEN , J K . 1991 . Gender and small business success: an inquiry into women's relative disadvantage . Social Forces , 70 ( 1 ) : 65 – 85 .
- MALAWI/UNITED STATES AGENCY FOR INTERNATIONAL DEVELOPMENT . 1987 . Rural enterprises and agro-business development institutions (READI) project , Lilongwe : Malawi/USAID .
- MARLOW , S and PATTON , D . 2005 . All credit to men? Entrepreneurship, finance and gender . Entrepreneurship Theory and Practice , 26 ( 6 ) : 717 – 35 .
- MCCORMICK , D , KINYANJUI , M N and ONGILE , G . 1997 . Growth and barriers among Nairobi's small and medium-sized garments producers . World Development , 25 ( 7 ) : 1095 – 110 .
- MCPHERSON , M A . 1996 . Growth of micro and small enterprises in southern Africa . Journal of Development Economics , 48 ( 1 ) : 253 – 77 .
- MEAD , D C and LIEDHOLM , C . 1998 . The dynamics of micro and small enterprises in developing countries . World Development , 26 ( 1 ) : 61 – 74 .
- MERRETT , C D and GRUIDL , J J . 2000 . Small business ownership in Illinois: the effect of gender and location on entrepreneurial success . Professional Geographer , 52 ( 2 ) : 425 – 36 .
- MOSER , C ON . 1989 . Gender planning in the third world: meeting practical and strategic gender needs . World Development , 17 ( 1 ) : 1799 – 825 .
- MUKHTAR , S M . 1998 . Business characteristics of male and female small and medium enterprises in the UK: implications for gender-based entrepreneurialism and business competence development . British Journal of Management , 9 : 41 – 51 .
- OKTEN , C and OSILI , U O . 2004 . Social networks and credit access in Indonesia . World Development , 32 ( 7 ) : 1225 – 46 .
- ROSA , P , CARTER , S and HAMILTON , D . 1996 . Gender as a determinant of small business performance: insights from a British study . Small Business Economics , 8 : 463 – 78 .
- VON MASSOW , F . 1999 . “ Inherent gender inequities in small and micro-enterprise development in rural Africa ” . In Enterprise in Africa: between poverty and growth , Edited by: King , K , McGrath and S . 95 – 106 . London : Intermediate Technology Publications .
- ZINGER , J T , LeBRASSEUR , R , RIVERIN , N and ROBICHAUD , Y . 2005 . Paper presented at the 21st Annual CCSBE conference . October 26–28 2005 , Waterloo, Ontario. Stages of small enterprise development: a comparison of female and male entrepreneurs ,