Pay gaps between men and women are real and widespread. They impact almost every industry and occupation. This isn't just a matter of traditional jobs. Small-scale business owners who are seeking financing face similar issues.
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We invite you to join us in the closing of the funding gap.
Fundera research shows that female entrepreneurs receive fewer loans and have lower rates of interest than their male counterparts. They are also approved for less loans, and tend to be more expensive, and more frequently than men.
Another type of pay gap is the funding gap that affects women. This is due in part to the biases and inequalities of those who loan money or invest in the development of new businesses.
Crowdfunding is now a well-known method for women to obtain the money they require to begin or expand their company.
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Crowdfunding is an equal playing field. Although investors and lenders make up a tiny portion of the populace (mainly white males) however, crowdfunding supporters comprise a greater proportion of the population, which includes women.
What is the source of the funding gap?
Let's look at the situation of funding so that we understand the reasons the reasons why crowdfunding rounds favor women. Fundera discovered the causes that result in women receiving less traditional funding , and with lower amounts than men. If you've been looking at the obstacles and discrimination women face in the workplace it will be a familiar scenario.
Women tend to be more likely to ask for cash than men, and they have an average of just $35,000 less.
Businesses owned by women tend to be more likely to get short-term loans. These loans usually have the lowest rates of interest and are among the least expensive.
Women pay an extra 13% in average for the same product than men and pay higher rates of interest.
Women generally be less credit-worthy than males. This could be due to the gap in wages that can impact the kind of loans women can access.
Women have lower utilization rates than males. This is because men have higher credit limits due to greater incomes.
Women are more likely to run younger companies that reflect of the enthusiasm that surrounds female entrepreneurs. But it also reveals the challenges that hinder women from reaching their goals.
Women-owned companies make up only 4.4 percent of the funds that are annually lent to small-sized businesses through traditional lenders when they apply for financing. According to Fundera, even although the SBA states that it is more focused on lending to minority or women-owned companies each year however, women are still receiving 2.5 times as much money than men do.
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The gender gap in funding is due to prejudices
The use of algorithms is increasingly driving the finance and lending industry. They may look at the application of a female-owned business and find a lower credit utilization rate than male applicants. If they are approved the company may decline approval without taking into account larger social aspects.
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When humans are also involved, the results could be sour: 8percent of 100 most successful venture firms have female-owned partners. SBA research has proven that the gender of investment boards and race compositions influence the choices they make.
Babson College also discovered that females who "pitched like a male" had better success than women who showed feminine traits. The co-author of the study said investors favor pitches from male entrepreneurs over female entrepreneurs, even though pitches could be similar.
dailyhealthstudy
For women's health, tips for heart, mind, and body - https://www.mpolska24.pl/blog/for-womens-health-tips-for-heart-mind-and-body
If you want to avoid problems such as strokes and heart disease, there is an easy way.
Get more fruits and vegetables.
Whole grains are better than refined ones. Brown rice is better than white. Switch to whole-wheat pasta
Consider lean proteins such as poultry, fish and beans.
Reduce your intake of processed foods, sugar, salt, saturated fat, and other unhealthy food.
Flexibility is key to eating well, according to Joyce Meng, MD assistant professor at UConn Health's Pat and Jim Calhoun Cardiology Center. You can follow a strict diet plan if you prefer. It's okay if you don't like following a strict diet plan.
Tricia Montgomery (52), founder of K9 Fit Club knows firsthand the benefits of a healthy diet and lifestyle. Her favorite things are eating healthy food and making small, frequent meals. She says, "I don’t deny myself anything." "I still enjoy dessert, key lime pie, yum!" -- I love frozen gummy bears and moderation is the key.
Get regular checkups. Your doctor will keep track of your medical history so that you can stay healthy. If you are at high risk of osteoporosis (a condition that weakens bones), your doctor may recommend more vitamin D and calcium.
You may be recommended by your doctor to have screening tests done to monitor your health and detect conditions before they become serious.
Be open to communication. Meng said, "If you have any questions, ask your doctor." "Ensure you are satisfied with the information." Talk to your doctor if you have concerns about any medication or procedure.
Reduce Stress
It can be very detrimental to your health. It is impossible to avoid it all, but there are ways you can reduce the effects. Do not take on too many responsibilities. Set limits for yourself and others. It is okay to say no.
To relieve stress, try:
Deep breathing
Meditation
Yoga
Massage
Exercise
Healthy eating
Talking to a friend or family member.
Develop healthy habits
You can prevent problems from coming your way tomorrow if you make the right decisions today.
Brush your teeth twice daily and floss each day.
Don't smoke.
Limit your alcohol. Limit your alcohol intake to 1 drink per day.
Take your medication exactly as prescribed by your doctor.
Get better sleep. Try to sleep for at least 8 hours. Talk to your doctor if you are having trouble sleeping.
Keep out of direct sunlight between 10 a.m. and 3 p.m.
Wear your seatbelt.
Meng suggests that you take time each day to invest in your own health.
Montgomery was able to see the benefits. Montgomery says that she has overcome health issues, is happy, and has a positive outlook. She says that her life has been forever transformed.
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