The Missing Entrepreneurs 2021
Policies for Inclusive Entrepreneurship and Self-Employment
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The Missing Entrepreneurs 2021 is the sixth edition in a series of biennial reports that examine how public policies at national, regional and local levels can support job creation, economic growth and social inclusion by overcoming obstacles to business start-ups and self-employment by people from disadvantaged or under-represented groups in entrepreneurship. It shows that there are substantial untapped opportunities for entrepreneurship in populations such as women, youth, the unemployed, and immigrants and highlights the need for more differentiated government entrepreneurship policies that respond to the specific barriers they face. The report includes an assessment of the impact of COVID-19 across these populations of entrepreneurs and the effectiveness of the policy response. It also contains thematic policy chapters on microfinance and leveraging the potential of immigrant entrepreneurs. These chapters present the range of current policy actions in EU and OECD countries and make recommendations for future policy directions. Finally, the report contains country profiles for each of the 27 EU Member States that identify for each county the major recent trends in entrepreneurship by women, youth, seniors and immigrants, the key policy issues and the recent policy actions.
Designing effective microfinance schemes for inclusive entrepreneurship
Microfinance has grown rapidly as a tool to help entrepreneurs from under-represented and disadvantaged groups access start-up financing. The largest target client group of microfinance is women, followed by youth, seniors, the unemployed and immigrants. Estimates suggest that the global market is about EUR 124-137 billion and this is expected to more than double by 2027. However, the supply of microfinance has not been able to keep up with demand and annual unmet demand for microfinance is about EUR 14 billion. This chapter discusses how governments can address this gap. It also covers other debates in microfinance such as the extent to which digitalisation should be embraced and how microfinance can be used to support the green transition. The chapter provides policy advice that is illustrated with case study examples.
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