37EMPRETEC WOMEN IN BUSINESS AWARD <strong>2012</strong>Go<strong>in</strong>g Beyond MicroBy Gayle Tzemach LemmonJournalistWhen I first started report<strong>in</strong>g on women entrepreneurs <strong>in</strong> conflict and post-conflict zones <strong>in</strong> 2005, nearlyeveryone – from International Monetary Fund officials <strong>in</strong> their offices to development workers <strong>in</strong> thefield – told me the only examples I would f<strong>in</strong>d would be women “sell<strong>in</strong>g cheese by the side of the road.”<strong>Women</strong>, I was told aga<strong>in</strong> and aga<strong>in</strong>, did not own the k<strong>in</strong>d of grow<strong>in</strong>g bus<strong>in</strong>esses that created jobs andspurred economic growth. This k<strong>in</strong>d of activity, it seemed, was limited strictly to men.Yet that wasn’t true. For example, although the percentage of women <strong>in</strong>volved <strong>in</strong> entrepreneurship is generally lower than that of men, <strong>in</strong> countriessuch as Ghana, there are 120 female entrepreneurs for every 100 male entrepreneurs 1 .Another stereotype that should be laid to rest is that women, when they do found bus<strong>in</strong>esses <strong>in</strong> develop<strong>in</strong>g countries, only create very smallfirms with very small capital <strong>in</strong>puts – the microf<strong>in</strong>ance picture made world famous by the Bangladeshi “phone ladies” who receive loanssufficient for buy<strong>in</strong>g cell phones and then rent the phones, call by call, to their neighbours. Such microf<strong>in</strong>ance can provide an important start onthe entrepreneurial path, but all too often conversations about women beg<strong>in</strong> and end with it. Today when we th<strong>in</strong>k of “entrepreneurs,” we tend toth<strong>in</strong>k of men, and when we th<strong>in</strong>k of “microf<strong>in</strong>ance,” we tend to th<strong>in</strong>k of women.It is time to move past this misconception.Even <strong>in</strong> the poorest and most traditional countries, women own bus<strong>in</strong>esses that go well beyond the micro. In Rwanda, I met a gas-station ownerwith several workers and a woman sell<strong>in</strong>g fruits and vegetables – not on “the side of the road” but rather for export to Belgium twice a week.Her work created jobs for eight people, <strong>in</strong>clud<strong>in</strong>g her husband, and supported her own and several adopted children 2 . In Afghanistan, a countryfamous for be<strong>in</strong>g among the toughest environments for women, I met a young woman who dared to turn down a well-pay<strong>in</strong>g job offer filled withperks from an <strong>in</strong>ternational aid organization. Instead, she started a bus<strong>in</strong>ess consultancy that she believed would create jobs for herself and manyothers. Accord<strong>in</strong>g to research conducted by Ernst & Young, women own 40 to 50 percent of bus<strong>in</strong>esses <strong>in</strong> the develop<strong>in</strong>g world 3 . These numbersoffer great potential and great hope: women across all borders and geographies share a belief <strong>in</strong> the power of grow<strong>in</strong>g bus<strong>in</strong>esses to lift familiesand communities out of poverty.1. GEM, Global Entrepreneurship Monitor<strong>in</strong>g Report, 2010: 34.2. Gayle Tzemach Lemmon, “How to Weave Around the Odds,” F<strong>in</strong>ancial Times, 13 September 2005.3. Ernst & Young, “Scal<strong>in</strong>g Up: Gender-specific Challenges,” Groundbreaker Series, http://www.ey.com/Publication/vwLUAssets/Scal<strong>in</strong>g_up_-_why_women_-_owned_bus<strong>in</strong>ess_can_recharge_the_global_economy/$FILE/<strong>Women</strong>sWork.pdf, 10; 1; Center for<strong>Women</strong>’s Bus<strong>in</strong>ess Research,
THOUGHTS FROM EXPERTS 38<strong>Women</strong> around the world are actively build<strong>in</strong>g better communities, and though the contexts are different, the challenges they face areremarkably similar: Globally, female entrepreneurs say that obta<strong>in</strong><strong>in</strong>g f<strong>in</strong>anc<strong>in</strong>g is their greatest obstacle 4 Discrim<strong>in</strong>atory laws and traditions onproperty ownership and <strong>in</strong>heritance exacerbate this problem, s<strong>in</strong>ce they make it harder for women to f<strong>in</strong>d collateral for loans 5<strong>Women</strong> also face limited access to diversified markets. Social and cultural constra<strong>in</strong>ts make it more difficult for them to travel. These constra<strong>in</strong>tsalso restrict <strong>in</strong> other ways women’s abilities to conduct bus<strong>in</strong>ess outside their communities. Yet commercial networks that extend beyond the localare vital for expand<strong>in</strong>g operations and for <strong>in</strong>creas<strong>in</strong>g profits.In addition, women often lack bus<strong>in</strong>ess-management tra<strong>in</strong><strong>in</strong>g and technical skills. This disadvantage often can be traced to cultural and historicalforces that limit women’s access to education. This discrim<strong>in</strong>ation that can start when they are very young.Despite these obstacles, many female entrepreneurs do not give up. I have met many who have persevered and have succeeded. Today theirtenacity should be matched by an <strong>in</strong>vestment <strong>in</strong> resources to tap their entrepreneurial potential and to support their abilities to create and expandbus<strong>in</strong>esses.Gayle Tzemach Lemmon is a journalist and the author of The Dressmaker of Khair Khana, a book that tells the story of a real-life hero<strong>in</strong>e fromAfghanistan, a young entrepreneur whose bus<strong>in</strong>ess created jobs and hope for women <strong>in</strong> her neighborhood dur<strong>in</strong>g the Taliban years.Gayle ma<strong>in</strong>ly reports on economic and development issues with a focus on women; she has reported on entrepreneurs <strong>in</strong> conflict and postconflictregions for the F<strong>in</strong>ancial Times, New York Times, International Herald Tribune, the Daily Beast, and Christian Science Monitor, along withMs. Magaz<strong>in</strong>e, Bloomberg, Politico and the Huff<strong>in</strong>gton Post. Gayle earned an MBA from Harvard Bus<strong>in</strong>ess School, where she received the 2006Dean’s <strong>Award</strong> for her work on women’s entrepreneurship.4. ICRW, One <strong>Women</strong> = One Bus<strong>in</strong>ess (ICRW: Wash<strong>in</strong>gton, DC, 2008), http://www.icrw.org/files/<strong>publication</strong>s/One-Woman-Equals-One-Bus<strong>in</strong>ess.pdf: 3.5. ILO, Assess<strong>in</strong>g the Enabl<strong>in</strong>g Environment for <strong>Women</strong> <strong>in</strong> Growth Enterprises (Geneva, ILO, 2007): 2.