GENDER DIFFERENCES IN VENTURE FINANCING: A STUDY AMONG CANADIAN AND US ENTREPRENEURS
Bibliographic record
Abstract
Entrepreneurship contributes significantly to economic growth and female entrepreneurs are strongly involved because their economic contribution is steadily increasing. However, research also reveals that female entrepreneurs face more financial barriers when compared to their male counterparts. Therefore, it is of prime importance to understand better female entrepreneurs’ behavior regarding financing. The purpose of this research was to explore gender differences related to financing with an intention to uncover why such differences exist. An empirical study involving a sample of 946 entrepreneurs from Canada and the United States was conducted to examine the issue. Results revealed that female entrepreneurs start their ventures with less capital than males, have a lesser tendency than males to obtain a bank loan and have a perception of being more in debt than their male counterparts are. Moreover, both variables depicting the smaller size of female-owned ventures and the intrinsic motivations expressed by female entrepreneurs acted as explanatory factors for the lower proportion of bank loans in the case of female-owned venture startups.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.002 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.002 |
| Science and technology studies | 0.004 | 0.001 |
| Scholarly communication | 0.001 | 0.001 |
| Open science | 0.000 | 0.001 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.002 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".