{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2025,5,14]],"date-time":"2025-05-14T12:01:06Z","timestamp":1747224066243,"version":"3.40.5"},"reference-count":26,"publisher":"IGI Global","issue":"1","content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2019,1,1]]},"abstract":"<p>In the last two decades, microfinance institutions across regions have helped to financially build small businesses in areas of disadvantaged populations. The efforts in providing entrepreneurs with small non-collateralized loans (or micro-loans) along with developing cooperative programs for entrepreneurs were reported in earlier studies as being helpful in alleviating some borrowers from extreme economic poverty. However, early warning signals were raised about whether microfinance institutions were benefiting themselves more than the poor. This article assesses the differences in attitudes toward the use of information and communication technology among small business owners in Ghana that have access to micro-loans. The findings indicate significant differences between interest payers and interest non-payers based on region of the country, age, education, and membership in an entrepreneurship program.<\/p>","DOI":"10.4018\/ijictrame.2019010101","type":"journal-article","created":{"date-parts":[[2018,11,17]],"date-time":"2018-11-17T16:43:33Z","timestamp":1542473013000},"page":"1-14","source":"Crossref","is-referenced-by-count":0,"title":["Gender Differences in ICT Use Among Small Business Owners in Ghana"],"prefix":"10.4018","volume":"8","author":[{"ORCID":"https:\/\/orcid.org\/0000-0001-6259-5087","authenticated-orcid":true,"given":"Alice","family":"Etim","sequence":"first","affiliation":[{"name":"Winston Salem State University, USA"}]},{"given":"David N.","family":"Etim","sequence":"additional","affiliation":[{"name":"University of Connecticut, Storrs, USA"}]},{"given":"George","family":"Heilman","sequence":"additional","affiliation":[{"name":"Winston Salem State University\u00b8 Winston-Salem, USA"}]}],"member":"2432","reference":[{"issue":"1","key":"IJICTRAME.2019010101-0","first-page":"37","article-title":"Impact assessment of microfinance interventions in Ghana and South Africa: A synthesis of major impacts and lessons","volume":"4","author":"S.Afrane","year":"2002","journal-title":"Journal of Microfinance"},{"key":"IJICTRAME.2019010101-1","unstructured":"Aikins, A. 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In 6th Annual Microfinance Conference Report - Microfinance Delivery in Sub-Saharan Africa: Knowledge Sharing and Policy Implications (pp. 62-72). University of Cape Coast Press and United Nations Development Programme (UNDP)."},{"key":"IJICTRAME.2019010101-4","unstructured":"ARB Apex Bank. (2013). History. Retrieved from http:\/\/www.arbapexbank.com\/aboutus.php"},{"key":"IJICTRAME.2019010101-5","unstructured":"Aryeetey, E., & Ahene, A. (2005). Changing Regulatory Environments for Small-Medium Size Enterprises and Their Performance in Ghana. Centre on Regulation and Competition, Institute for Development Policy and Management, Manchester, UK."},{"key":"IJICTRAME.2019010101-6","unstructured":"Aryeetey, E. (1992). The relationship between the formal and informal sectors of the financial markets in Ghana. 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Schneider (Ed.), Microfinance for the poor? (pp. 129-161). Paris: Organization for Economic Cooperation and Development."},{"key":"IJICTRAME.2019010101-14","first-page":"109","article-title":"Building up capacity for banking with the poor: The Grameen Bank in Bangladesh","author":"S. M.Hashemi","year":"1997","journal-title":"Microfinance for the poor?"},{"key":"IJICTRAME.2019010101-15","doi-asserted-by":"publisher","DOI":"10.1002\/j.1681-4835.2016.tb00539.x"},{"key":"IJICTRAME.2019010101-16","unstructured":"International Telecommunication Union. (2016). Measuring the Information Society Report 2016. Retrieved from https:\/\/www.itu.int\/en\/ITU-D\/Statistics\/Pages\/publications\/mis2016.aspx"},{"key":"IJICTRAME.2019010101-17","doi-asserted-by":"publisher","DOI":"10.1016\/j.worlddev.2011.09.013"},{"key":"IJICTRAME.2019010101-18","unstructured":"Mariwah, S. (2011). Shylock vs. Antonio: Informal money lending in rural communities in the Jaman North District, Ghana. 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