A Study On Contribution Of Public Sector Banks In Women Entrepreneurship Development With Reference To Thiruvananthapuram

Abstract

This study examines the contribution of public sector banks in the development of women entrepreneurship with special reference to Thiruvananthapuram District. The objectives include analyzing the role of banks in promoting women entrepreneurs, assessing the accessibility and utilization of credit facilities, identifying the challenges faced in availing financial and non-financial support, and evaluating the overall impact of bank initiatives on growth and empowerment. A sample of 110 women entrepreneurs was surveyed, and statistical tools such as percentage analysis, mean, standard deviation, t-test, correlation, regression, and ANOVA were applied. The findings reveal that timely disbursement of funds, easy accessibility of loans, and support through government-sponsored schemes are the most significant contributions of public sector banks. Loan adequacy and access to schemes strongly influence the growth and sustainability of women entrepreneurs, whereas training programs and advisory services have limited impact. Major challenges identified include delays in loan sanctioning, collateral requirements, complex documentation, and lack of awareness. Correlation analysis further confirms that these barriers negatively affect overall satisfaction, while regression analysis highlights the strong role of financial initiatives in predicting entrepreneurial success. The study concludes that public sector banks are instrumental in empowering women entrepreneurs by providing vital financial support, but non-financial initiatives need strengthening. Policy measures such as simplified loan procedures, collateral-free lending, enhanced financial literacy, and awareness programs are recommended to improve the effectiveness of banking support. By addressing these issues, public sector banks can significantly enhance women’s entrepreneurial growth, contribute to employment generation, and promote inclusive economic development in Thiruvananthapuram District.