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    <title>Women entrepreneurs face disadvantage in securing formal loans compared to men: GIM research</title>
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    <description>Women-owned enterprises in the unorganised sector experience a gender gap in access to formal credit, driven by information asymmetry and lower adoption of digital financial services. The study finds that digital financial technology use reduces this disparity by improving information flows and lowering the need for repeat institutional visits. It recommends re-examining banking supervision to address gender disparity, creating targeted schemes and funding to promote digital adoption among women-owned firms, and investing in financial literacy to complement technological solutions.</description>
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