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Women entrepreneur were just about one on third of all people involved in entrepreneurial activity. Women entrepreneur are as well as men entrepreneur a source of wealth and growth. Entrepreneurship leads to innovation. Theoretically this have been one key argument since the work of Schumpeter (1934) linking the entrepreneur activity to create destruction in the market by fostering innovation. Recognizing the importance of emerging women in entrepreneurs in creating a vibrant dynamic economy for the nation. The Malaysian Government has been actively promoting women entrepreneurship towards realising Malaysia‟s Vision 2020. However, there are some factors, issues and challenges on influencing performance of women entrepreneur particularly in Malaysia. It is not surprising that the number of women entrepreneurs in Malaysia has increase in the past three decades due to the emphasis on industrialisation, and growing interests in privatisation, self-employment and business-oriented employment. It was found that Malaysian women have been increasingly involved in various enterprises which were formerly male-dominated (Maimunah, 1996). It is clear that the Malaysian Government has been actively involved and concerned about women entrepreneurship development in last decades. This is to ensure that women entrepreneurs are not left out from the process of national and economic development, particularly in important sector such as information and communications technology (ICT) and bio-technology, in order for the country to successfully realise Vision 2020. According to Buttner (2001), the management styles of women entrepreneurs was best described using relational dimensions such as mutual empowering, collaborations, sharing of information, empathy and nurturing. Female negotiating styles have been shown to be different from men (Heffrnan, 2003). Based on the several materials that have been reviewed, the discussion below will be more geared towards the advancement of women in the Asian region and some examples of entrepreneurial development, particularly in Malaysia. Things will be explored is the participation and contribution of women in the world of entrepreneurship. Eliminating gender-based discrimination or
exploitation, safety and health issues for women entrepreneurs, recognizing the contributions of women in economic development.
2.0 PARTICIPATIONS ENTREPRENEURSHIP
Women who constitute half the population was equally contribute to economic growth (Baron,R.A.&Shane, S.A.2005. Entrepreneurship: A Process Perspective). However, the participation rate of women in the labour market remains low at between 44.0 to 46.4 percent in the period 1991 to 2007, compared with men, between 79.5 to 85.3 percent. Meanwhile, total labour force in 2007 was 10.9 million in the participation rate of 6.9 million men (63.9%) and women were 3.9 million (36.1%) in 2007 (Armanurah Mohamad, Abdul Razak Amir & Syahrina Abdulallah. 2005). The participation rate of women in the labour market is low compared with developed countries and some developing countries (Sufean Hussin. 2004). For example, the participation rate of women in labour market in sweden is more than 78.2 percent, Denmark 76.4 percent and 69.8 percent of the United Kingdom. The participation rate of women in the labour market developing countries such as Thailand was at 71.4 percent, 78.0 percent of Cambodia, Indonesia 53.3 percent and 56.5 percent of Laos. Effort will be taken to identify gaps between men and women in the labour market and the economic value contributed by those in the informal sector. Although women‟s participation in the economic activity grew more prominent, particularly in managerial and professional category, there are some challenges that need to be addressed, among others, still remain elements of discrimination against women in the workplace, women‟s low participation in entrepreneurship and issues related to network social security for rural women in the labour market. Recognising the different roles of women in family, community, economic and political realities, the government recognizes that specific strategies to devoloped to effectively involve women in development process in order to optimize the potential of women. Concerted efforts should taken to help women participate in the activities of the major social and economic. This requires a policy to provide guidance and direction in all
development efforts to the interest and participation of women is neglected, and integrate their contributions in the development process (Cheng Ming Yu & Cheryl Chan. 2003). Realizing this, the goverment has formulated the National Policy on Women (NVP) in 1989. This policy to clarify the goverment‟s eagerness to assist the participation of women in national development more meaningful. NVP provides guidelines for integrating the contributions of women in national development process. Through greater participation in the labour market and increase access to education, women have participated and contributed in various areas of the nation. Participation and contributions are made, among others, changes to the legal and institutional framework, including amendments to the constitution, increasing the ability to obtain employment through higher educational attainment and implementation of gender sensitive policies and programs (Morshidi Sirat. 2002). In terms of employment structure, the percentage of women working in higher paying occupations is higher due to better performance in education (Mohd Khairuddin Hashim & Syed Azizi Wafa. 2002). The percentage of women in senior officials and managers increased from 4.8 percent in 2000 to 5.4 percent in 2005, as shown in table 133. In the professional category, women, especially working as doctors, dentist, lawyer and architect. A significant increase occured in the categories of services and sales, from 13.3 percent in 2000 to 17.7 percent in 2005 while the number of women working in occupations declined, particularly in the categories of plant and machine operators and aseemblers. The business world is not a foreign field for women. Examples of women entrepreneurs is the most accurate Siti Khadijah, who are involved in a business up to international level. Siti Khadijah is the best example of women entrepreneur for women who interested in entrepreneurship. With the attitude, commitment and desire shown among women entrepreneur at present (Fried, V.H. 2003). It is not impossible if one day the world of entrepreneurship will be taken over and dominated by women. It should be noted that we are in the era of globalization and the words „the place of women where only in kitchen‟ is no longer relevant. According to Tun Mahathir in his speech at the National Council of Women in entrepreneur Convention of 2002, achievements and the role played by women in entrepreneur ship is now clearly demonstrated (Garavan, T.N. & Cinneide, B.O. 1994).
Malay proverb which say that „the hand that rock the cradle is actually able to shake the world‟ is true. Womens can bring the prosperity and succesful in mans if they have been trusted to be an entrepreneur (SME CORP Malaysia, 2009. NWEA 2009). According to a report by the Companies Commission of Malaysia, a registered business activity in the business registration office during the year 2001 shows that out of eleven types of business ventures, food and baverages business recorded the highest registration statistics of the year. Besides, food and drink, a lot of business activities involved in the retailing, construction and textiles and clothing. The number of individuals who participate in the entrepreneurship is also increasing. According to statistics released by the ministry of Entrepreneur Development (KPUn), during the years 1995 to 2000 increase in the number of entrepreneur to apply at a rate of 75.79%. This increase is due to various factors and the primary is the existence of various forms of support and assisstance given by the government through KPUn. The types of entrepreneur that have developed are entrepreneurs, vendors, marketing furniture, mentor and the franchise. In recent years, the number of women going into business areas showed a very encouraging. According to the Companies Commission (Companies Commission of Malaysia), total of 49,554 business units owned by women were registered in 200 and by another 54,626 were registered in 2001. In the first six months of 2002, the total of 28,185 business were registered(women in labour : statistics 2002). This increase shows clearly that women in Malaysia have committed to take advantage of opportunities in trade and industry, as a result of individualization and economic development. Therefore, the parties involved, such as the Ministry of Women, Family and Society, Association of Bumiputera Women Entrepreneurs (USAHANITA), Malay Chamber of Commerce, Ministry of Entrepreneur Development and and the bodies of other organizations have been trying to help women entrepreneur in the creation of more-indigenous women entrepreneurs are not only successful in the country, even internationally (Hytti, Ulla & O‟Gorman, Colm. 2004). In the Eight Malaysia Plan (RMK-8), women have contributed significantly to the social and economic development. Higher educational attainment increased their participation in the labor force and other business activities. In the Ninth Malaysia Plan (RMK-9), efforts will be made to provide a conducive environment to ensure more effective participation of women in national development. Women will be equipped with
appropriate skills and knowledge to make them more competitve and versatile to meet the challenges of knowledge-based economy.
3.0 ACTIVELY PROMOTE WOMEN GET INVOLVE IN BUSINESS To assist the planning and implementation of the National Women‟s Association (NVP), a number of strategies designed to ensure effciency, effectiveness, consistency and uniformity of policies and actions (Speech by the Chief Executive of Archives Collection, 2008) like the following: (a) Strengthening of women‟s Affairs Unit (HAWA) The National Machinery for the advancement of women‟s national machinery is HAWA now placed under the Ministry of National Unity and Social Develoment. It is fair HAWA enhance power and status by Creating a relationship with each ministry, entered the coordinator in each state that can act more effectively on women‟s affairs.
(b) Policy and action oriented government agencies in order to include process design, implementation and integration of programs control women. In formulating policies, laws, regulations and programs of any sectormor agency, considerations must be made about the contribution and its implications for women, impact and negative effects on women must be avoided. A system of coordinating and monitoring of comprehensive programs should be created to prevent negative effects and also to identify obstacles and problems, both in terms of law, nor in practice, so that appropriate action can be taken to overcome them (Malaysia ministry of educations. 2001). All development programs must have s strategy that would benefit women, the participation of women at all levels, from the planning to the evaluation, at national and local level must be guaranteed. (c) Education and training should be arrange to encourage and realizing the Goverment Administration on women‟s issues. To raise awareness and commitment of institutions and agencies, gender sensitivity training program at various stages of gender sentisizing be held. Training programs on women and development continued to be held for civil servants.
(d) The involvement of non-goverment bodies. The government should try to involve all non-governmental organizations and voluntary bodies in the program and actions of women. Financial, technical, advisory and institutions continue to be allocated to women‟s associations to promote and enhance their services. (e) Eradication of discrimination and taking action firm specific measures should be taken to eliminate discrimantion against women. Weaknesses in the law to guarantee women‟s right should be repaired. Special focus shoul be directed to less developed areas in the rural areas, women are not helpless and disable. And women are given opportunities for educations. (f) Promote and coordinate research The Women‟s Issues recognizing the lack of data and informations on the status of women, the government should encourage and assist research and studies on women. In addition, the government shall ensure that all data and informations collected by various governmnet agencies and the sort-separated items of informations by gender. (g) Governmnet Budget provisions should ensure that ministeries and agencies corncernd to use the provisions that have been approved to modify the program of actions to meet women in development.
4.0 ELIMINATING GENDER –BASED DISCRIMINATION OR EXPLOITATION Nowadays, government had done many things to look after the charity of women entrepreneurs. They have help women entrepreneurs in many ways such as preserve the facilities, give some loan and so on. But, the women entrepreneurs‟ fate cannot change if other state parties that have connection with women did not support them to being successful entrepreneurs. Those parties like NGO must try to helping women to overcome the gender discrimination among the women entrepreneurs (Women‟s Aid Organization, 2001). One of the way that can they do is make a survey in the place that have many case about the women discrimination. This is important to make sure women‟s life will guarantee in any aspect such as religion and culture, law and so on. Sometimes, women‟s life can be disturbed or blocked by the aspect especially law that can‟t satisfy women because it cannot eliminate some elements that do not give protection to women.
As example, not all of the women entrepreneurs were protected by the law. This also can exist another problem to women entrepreneurs such as more exploitation to their natural excess by the unscrupulous people. It is because sometimes women have their own excess that men did not have and this is one of the reason they have face exploitation problem. In addition, all women entrepreneurs have face difficulties in economy sectors such as they did not have the same right with men entrepreneurs. Sometimes, they did not get change to compete with men in some industries such as manufacturing, HICOM and so on. For men, it is their traditional industry and women cannot involve in the industry because they did not have ability to handle the industry. This is the way on how women have faced the discrimination. In millennium, nothing is impossible because sometimes women entrepreneurs can do better than men entrepreneurs. This show that women is not a weak people because they also can do the men‟s work. But, they still have face the exploitation and discrimination because some specific party still cannot believe of their ability to handle heavy industries. So, we can see now many women entrepreneurs only involve in cottage industry, beauty parlors, boutique shops, poultry farming, tailoring, dairy farming and others (http://www.freeonlineresearchpapers.com/women-
entrepeneurs-khulna). This show that they have limited involve in economic sectors. It seems like not fair because many of men entrepreneurs also get a chance to involve in women industries and some of them have being a successful entrepreneurs. Sometimes, they always get recognize from some parties. Sometimes, the discrimination to the women also can affect their work. This show that the discrimination must be eliminates to restore their spirit to being a successful entrepreneur. One of the factors that can exist the discrimination is they only a small of people among the entrepreneurs in many countries. This can make their contribution did not recognize in economic sectors. Although they only represents a small portion in economic, their contribution also important to the economic. It is because their contribution also needed to maintain the industries in economic sectors. So, some of the parties or agencies must study more about women entrepreneurs. The elements that they must study are the contribution of women‟s entrepreneurs in preserve jobs to others and recognize them as economic development resources. It is because women‟s entrepreneurs still important to make sure their potential can use in helping economic development.
Furthermore, women‟s entrepreneurs also have faces the discrimination because they have choose the industry that did not important in economic development. It is because the industry cannot give more profit than men entrepreneurs industry like manufacturing. The manufacturing industry is one of the industries that get recognize in many countries because it really can helping in economic development. But, women industries still can help in maintain the economic especially in the village economy. Their industry like cottage industry can give some jobs to the villagers around their company. This shows women have lower profit rates in entrepreneurship field than men but they also can prefer contribution in another ways. As example, cottage industry can help to change the villager‟s income and their life will get better than before. Besides, the discrimination and exploitation also happen to women entrepreneurs because of their weakness. This can give advantage to the irresponsible people to exploitation the women. It is because sometimes women have more excess than men and their work more goods. On the other hand, people also thought women entrepreneurs in not important in economic development because they did not see many women have being successful entrepreneurs. It is because they always set in their mind those women more suitable with housework title. This show that many people still cannot open their mind and accept anything impossible thing that happen around them. Women will always face the discrimination if this situation did not change as soon as possible. It is because it can affect their reputation as successful women entrepreneurs. All the discrimination can be eliminate if women can do the best in their business. This is important to make sure others can recognize them in economic sectors. In addition, this also can show others their ability to give more contribution to the economic development. Women also must know their rights in every business that they involve to get what they must get in expand their business. This is because they will be fooled if they did not know about their rights. It is important to make sure they did not face the difficulties like loss in the business. For agencies or state parties, they must help women entrepreneurs because women entrepreneurs are one of the important elements in economic development. Although their contribution did not much, but it still can give some contribution to the economic sectors. The economic sectors cannot expand if they did not involve in the sectors. So, this can show that women entrepreneurs is really important to the economic development because
they can support men entrepreneurs in maintain the economic sectors. It is because many of women entrepreneurs have successful and this mean that they have give a contribution to the country‟s economy.
5.0 SAFETY, HEALTH DEVELOPMENT ISSUES FOR WOMEN ENTREPRENEURS Safety and health issues for women entrepreneurs in the world remain to be considered. The Government is also concerned, and provides recognition of women entrepreneurs in the Eighth Malaysia Plan (RMK-8), women have contributed significantly to the social and economic development. Higher educational attainment increased their participation in the labor force and other business activities. In the Ninth Malaysia Plan (RMK-9), efforts will be made to provide a conducive environment to ensure more effective participation of women in national development. Women will be equipped with appropriate skills and knowledge to make them more competitive and versatile to meet the challenges of knowledge-based economy. Through greater participation in the labor market and increased access to education, women have participated and contributed in various areas of the nation. Participation and contributions are made, among others, changes to the legal and institutional framework, including amendments to the Constitution, increasing the ability to obtain employment through higher educational attainment and implementation of gender sensitive policies and programs. Government, private sector and NGOs have worked to improve women's status and ensure cooperation and coordination are more effective in carrying out activities for women and their families. Period, the Ministry of Women, Family and Community Development was established to address issues related to women in an integrated manner. To further strengthen the national machinery and to increase the Cabinet Committee on Gender Equality was established in 2004 to provide policy direction and monitoring activities related to women and family development. Government agreed to set a quota of at least 30 percent of women hold positions in the public sector basis. In this regard, the private sector and NGOs are also encouraged to increase the number of women in managerial and key positions (Ministry of women, family and community).
In the 9th Plan period, efforts will be undertaken to address issues related to women to use their full potential and participate more effectively as partners in development in line with the principles of Islam Hadhari. In this regard, legal and institutional constraints that prevent greater participation of women in the economic field will be reviewed to encourage the active participation and contribute to further improvements. a) Promote greater participation of women in the labor force b) Improving education and training opportunities c) Increased participation in business and entrepreneurial activities d) Review the laws and regulations to improve the status of women e) Further improve the health and welfare of women The Government will continue to encourage greater participation of women in the labor force and contribute to national socio-economic development. Given the involvement of more women in the labor market requires a better balance between work without charge to paid employment, the effective employment policies must include more than providing jobs. In this regard, measures will be taken to ensure the provision of necessary support to enable women to participate in the labor market. In addition, women are encouraged to re-enter the job market by providing opportunities for retraining. In addition, efforts will be taken to implement the concept of working from home to promote women Efforts to increase the participation of women in business and entrepreneurship will continue through the consolidation and integration of financial assistance and provision of better training programs. The information on this program will be widely disseminated. To facilitate more women to get loans, special programs for women will be created in existing financial aid programs. The implementation of the concept of working from home will facilitate greater participation of women in business. More opportunities will be provided for women to engage in industrial and agricultural businesses. Since the field of biotechnology is a new source of growth, efforts will be made to encourage more women entrepreneurs to leverage the potential of this area, especially in agricultural biotechnology and health care. Entrepreneurs will also be encouraged to network with
other successful organizations in and outside the country (chapter 13 : women and development). Laws and regulations that discriminate against or existing and participation of women in development efforts will be reviewed. Recognizing the importance of ensuring the welfare and safety of women, the Employment Act 1955, Industrial Relations Act 1957 and Occupational Safety and Health Act 1994 are amended to include provisions to prevent all forms of sexual harassment in the workplace. Steps will be taken to streamline and accelerate the implementation of the enforcement of court decisions, including the sharia court to ensure the protection and welfare of women. In addition, the private sector will be encouraged to review their collective agreements to ensure no gender discrimination.
6.0 RECOGNIZE THE CONTRIBUTIONS OF WOMEN IN ECONOMIC DEVELOPMENT Women play a major role in world economic activity. Their participation in the labor market has increased from 2.7 million (44.7
percent) in 1995 to 3.7 million (46.1 percent) in 2006. This fact show women has provide contribution to economic development (Scribd, 2010). Today, we can see many of women were involved in economic sectors especially as an entrepreneur. It is because they have a lot of free time to make a part-time work as an entrepreneur. As a housewife, they did not have many works to do, so they take a chance to make a business from their house. But when the business become bigger than before and get more profit, they will find a location to place their business. On the other hand, we also can see many of women get a chance to be a higher officer in many companies. It is not impossible for them to conquer the economic sectors especially in this country. This shows that women also have the credibility to manage a company very well. As an example, Madam Rozita Ibrahim is one of the successful women entrepreneurs in Malaysia. For her, people need three properties if they want to succeed. There are taken steps to launch a small thing in themselves, never said no before try because nothing is impossible and do not like to blame other because of their work (Sensasi, 2009). She begins with a small retail store to support their family but now she
has a big company that is High Sendayu Holdings Sdn. Bhd. This company has nine subsidiary companies including High Sendayu Corporation (M) Sdn.Ltd, Body and Skincare Sendayu High (M) Sdn. Bhd and High Sendayu Cosmetics and Fragrances (M) Sdn. Bhd. Although women did not bear as a leader, they still can give many contribution to this country and world. But, many people still cannot see their effort. As example, they have makes a domination in entrepreneurship field especially in cottage industry. This shows that they really give a big contribution to the economic development because they use the source in the cottage very well. All times economic in city more advanced than cottage economic. By this way, cottage city did not lag anymore in sector economic. Furthermore, their effort to popularize the cottage economic also can increase living standards among the village women and give them more knowledge especially about entrepreneurship. This can reduce the amount of migration to urban place from village. For this effort, Women‟s World Summit Foundation (WWSF) and the International Federation of Agriculture Producers (IFAP/Fipa) have created the World Rural Women‟s Day Celebration in 15 October every year start from 2000 to celebrating them (Syarifah Hanim Syed Yahya Kamal, 2008). Actually, rapid development in economic should not occur in urban areas only but also to the village. Focus more to the women in the urban can make women in the rural lag from economic development. So, rural women must be given adequate preparation to face the growing challenges such as challenges for women as wives and mothers in a family, as a leader and driving the national economy will become more challenging. Women must able to face the difficulties to make sure they will be successful women. Only women who are sensitive to environmental changes and the constantly working towards improving the knowledge and skills alone will be able to overcome all of the challenges (Koleksi Arkib Ucapan Ketua Eksekutif, 2008). To enhance rapid rural economic development, certain programs must be designed and implemented more intensive and integrated to provide opportunity for women in village area to move more actively in economic development. As an example, a seminar can enhance the understanding and the potential contribution of rural women in economic development. Sometimes, women need the recognition to motivate them to being a successful entrepreneurs or businesswoman. It is because recognition also can help them to develop
their business. On the other hand, this recognition also can avoid discrimination issues among the women entrepreneur and make they feel so happy because all their effort meaningful to this our economy. In addition, the discrimination to the women can slow the economy development because women also play the main role in economy development and many economies programs cannot success without women. As example, SME Corporation Malaysia and the Ministry of International Trade and Industry (Miti) was hosted the National Women Entrepreneur Award (NWEA 2009) on November 24 to recognize outstanding contributions of Malaysian women in business. This award was given to the women who had success to open a business with their commitment, brave and knowledge (SME Corp Malaysia, 2009). Furthermore, the current issues that happen among women entrepreneurs are the limited of facilities for their business. This issue happens because the parties that involved in providing the facilities think the amount of women entrepreneurs in this country little only compare to men. Actually, the enough facilities are one of the ways to recognize women effort in economy development. It is because there are about 80, 000 women involve in real entrepreneurs world in this country. They are active in many types of business and many of them still in productive age and able to contribute to national socioeconomic development. However, they still get some facilities from many agencies like SME Corporation and Amanah Ikhtiar Malaysia. As example, since its inception in 1987, Amanah Ikhtiar Malaysia has helped more than 200, 000 women entrepreneurs in three main sectors such as business service, agriculture and manufacturing (Datin Paduka Seri Rosmah Mansor, 2010). Besides, many women entrepreneurs did not get recognize because they were not protected and help by many agencies, but only some agencies want to do so. This make them more lag from men entrepreneurs. It is because many agencies did not trust with their credibility to manage the business very well. Protection and help is one the women need in their business because it is one of the ways to recognize their effort in entrepreneur. For women, protection can make them feel safe to running their business without any threat from enemies. It is because they are weak human that always need a protection and help in their life. In addition, they also need help to make sure they can face the difficulties in their business. The help can give them some new skills and experience that can use in their business in future. One of the agencies that have gives their help to women entrepreneurs is Ministry of Rural and Regional in every place like
Kedah. The agencies have prefers a program to the women entrepreneurs that have implemented through three approaches. There are identify women entrepreneurs through the Entrepreneurial Course Exposure, provide skills training in the field or endeavor and machinery and equipment provided assistance as a catalyst for the modus operandi of their respective companies (Lembaga Kemajuan Wilayah Kedah, 2010).
7.0 LACK OF EQUAL OPPORTUNITIES IN CERTAIN INDUSTRIES One of the best issues among the women entrepreneurs is lack of equal opportunities in certain industries. The industries normally conquer by men entrepreneurs it is traditional work for men (Wolfe Lahle, 2011). Sometimes, men know that women also can do their work but they still cannot do as well as men. It is because sometimes the works need more energy and times, but women cannot fulfill it because their responsibilities to another thing like home and family. This can make them did not have much time to their business. So, they cannot have many advantages when involved in work majority by men. This situation can discourage more women to join entrepreneurship field and this can give loss to our economic development. It is because women can give a big contribution to the economic. Actually, men and women must get a same chance in entrepreneur field to make sure the economic will become more stabilized. This is really important to help women success in their career as an entrepreneur. Sometimes, women can do better more than men in some work. So, that shows women and men have their own credibility to make a good job in different thing and their ability also different each other. Furthermore, the combination between women and men entrepreneurs also can build rapid economic development. So, no one of them can conquer because they have their strength and potency in business. In addition, all entrepreneurs also have their own privileges in business management. Sometimes, many of them try to make an innovation to attract customer. On the other hand, women and men entrepreneurs normally involve in different sectors. As example, women like to involve in cosmetics, food, fashions and so on, but men like to involve sectors like automobile, security, factories and build (Zaidatol Akmaliah Lope Pihie, 2007). This difference shows that economic cannot stabilized if only one of them
active in the economic sectors. Besides, many men thought women entrepreneurs must have skills and traits to make sure they can compete as men do today in certain industries. Actually, women entrepreneurs do not need to do so because they already have their own skills that men cannot copy in their business. So, women was advises to be more confident with their features to make sure their business can go further in future. This is really important to make men recognize women with their credibility in entrepreneurship field and they can complete each other in economic sectors. Sometimes, socialization process can teach women how to not big think, refuse the risk and worry about money problem. The women entrepreneurs like to maintain the attitude because they have limited resources and they are really carefully in every step them choose in their business. This can give effect to them because they cannot expand their business. Furthermore, women also running their business only to get their asset and some profit. It is because cannot accept if their business do not success. This support by another issues like women owners are not getting equal treatment at financial institutions. The reason for this is many of loan officer do not trust with the credibility of women entrepreneurs and they worry they cannot pay back the debt. Although they try to explain about their ability, the loan officer still cannot accept their application to get the loan for their business. This situation can make them more difficult to get more money to support their business. Furthermore, some people have denies the credibility women entrepreneurs if they want to join any industries that was majority by men entrepreneurs. This can make the spirit of women entrepreneurs become low and down. This also can affect their work and reputation because there are many people did not believe their ability in handle a business. Actually, some of women entrepreneurs have a big talent and brilliant idea and this can help them to being successful women in this country. It was proved by see many of them very famous in Malaysia such as Puan Rozita Ibrahim, Datuk Siti Nurhaliza and many more. This is shows not all the women entrepreneurs are not able to manage a business very well and success.
8.0 CONCLUSION All of the issues and challenges can give more difficulties to the women entrepreneurs. This can bar women from success in their business. The issues cannot exist because women also have their credibility to manage a business very well. It is not impossible to them to being a success entrepreneur because many of them also have some privileges that men did not have in themselves. So, this show that is women also can give the contribution to economic development. On the others hand, women also can conquer some industries like fashion, cosmetics and so on because the industries really have connection with them. Besides, the number of men entrepreneurs that involved in the industries is too small. The situation shows that women really can help in economic development because their involved also can give a contribution to the economy increase. All people that have connection with women entrepreneurs must help them by giving support, help or some money, facilities and so on. This is really important to make them feel appreciated and make them become more confident and spirited to being a success entrepreneurs. Furthermore, this also can motivate them to give more new innovation and contributions to the economy and entrepreneurs field. However, all issues that happen among the women entrepreneurs must be solved to make sure women can step forward from their position from bad to good and they always can get success in their business. In addition, synchronize between women and men entrepreneurs can build a strong economy development because they can complete to each other.
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