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The marginalisation of female entrepreneurs in accessing credit is well documented. Yet, how female entrepreneurs navigate through the marginalisation to gain funding is under-explored.

The authors address this gap using qualitative data from 30 female entrepreneurs in three neighbourhoods with varying socio-economic characteristics in Ghana's capital, Accra.

The authors find a marked aversion to bank loans among respondents. Consequently, they nurtured trust in their social circles in order to facilitate access to informal credit from internal (e.g. family and friends) and external (e.g. trade credit, associations and religious organisations) sources. This aversion to loans from formal financial institutions (FFIs) had a socio-cultural aspect, including cumbersome application procedures, a deep-rooted fear of the social consequences of defaulting and religious prohibition against interest payment for Islamic traders.

This paper shows that providing formal access to credit is not enough to support women's entrepreneurship if the socio-cultural factors inhibiting women's access to credit from FFIs are not addressed.

The findings suggest that trust is an important factor that bridges the gap in female entrepreneurs' access to funding given their heavy reliance on informal sources of funding.

The peer review history for this article is available at: https://publons.com/publon/10.1108/IJSE-02-2023-0090

The aim of this study is to gauge the consideration toward sustainability and sustainable development in the creative process or activities in design practices among the design undergraduates of University A, Russia, and University B, Malaysia. The beliefs, attitudes and intentions toward all the dimensions of sustainability – environmental, social and economic – were assessed and compared between both institutions.

A questionnaire was administrated to 127 design undergraduates from University A, Russia, and 135 design undergraduates from University B, Malaysia, to assess their beliefs, attitudes and intentions toward sustainability and sustainability development in their creative practices.

The outputs of this investigation suggested that the courses related to education for sustainable development that preached in design programs at University A, Russia, have developed appropriate beliefs, attitudes and intentions toward sustainability and sustainable development in creative process or activities among the learners on environmental and social sustainability issues. The subject on sustainable development offered in design programs at University B, Malaysia, has mold positive beliefs, attitudes and intentions on the environmental sustainability issues in creative practices among the design undergraduates. The outcomes of this study shed some light on the effectiveness of the courses related to education for sustainable development of both institutions in building the appropriate mindset in the creative process during design activities.

This study on the consideration of sustainability and sustainable development in creative practices is novel and the outputs of this study can carve the path for an effective education for sustainable development courses in the design programs, specifically in the context of building the appropriate beliefs, attitudes and intentions toward sustainability and sustainable development in creative practices among the future designers.

The purpose of this paper is to examine whether board characteristics moderate the relationship between capital adequacy regulation and bank risk-taking of universal banks in Sub-Saharan Africa (SSA).

The paper uses 700 bank-year observations of universal banks in SSA between 2009 and 2019. The paper further uses the two-step generalized method of moments as the baseline estimator.

The paper finds that capital adequacy regulation is positively related to overall bank and liquidity risks. Nonetheless, capital adequacy regulation increases credit risk in the sampled banks. The paper further reports that board characteristics individually and significantly moderate the relationship between capital adequacy regulation and risk-taking.

The findings have implications for regulators of universal banks that board characteristics matter for capital adequacy regulation to impact risk-taking behavior.

The paper extends the existing literature on the effect of board characteristics on the capital adequacy regulations and risk-taking behavior nexus of universal banks.

The purpose of this paper is to explore the specific characteristics of consumers’ lived experience in a brand museum within a luxury context. While previous research has investigated this experience through the lens of brand heritage, the unique attributes and prestigiousness of the luxury field have not yet been examined. The authors argue that these distinctive features may alter the brand heritage experience in significant ways.

To understand the dimensions of a brand heritage experience in a luxury context, the authors applied a qualitative method using reflexive introspection. Specifically, the authors used 89 reflective introspections of 29 visitors of nine different luxury brand museums.

The findings indicate that a brand heritage experience in luxury is based on four dimensions: aesthetic, authentic, scientific and mythic. The data also reveal the heterogeneous aspect of the experience, which varies according to the level of consumers’ brand familiarity as well as whether the museum visit is led by a guide or not.

The authors contribute to the literature by emphasizing a new dimension of a brand heritage experience in luxury: a mythic dimension. This study also unveils the impact of contextual factors on the brand heritage experience.