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Volume 9 | Issue 01 | 2026
Author(S): Abdullah Al Muneem, Md. Ashikur Rahman Avi, Md. Tanjil Hossen Sojib, Azizul Hassan, Mohammed Mosaraf Hossain and Rafatul Islam*
Abstract:
This study aims at exploring how banking institutions facilitate or hinder the entrepreneurial development of tourism and hospitality ventures in the context of a developing nations like Bangladesh. Employing a qualitative research method, this study relies on in-depth, semi-structured interviews with 25 key stakeholders. Thematic analysis reveals that while banks increasingly recognize the potential of tourism entrepreneurship, financial offerings remain predominantly generic, lacking sector-specific customization. Entrepreneurs face structural challenges such as nominal risk lending practices, bureaucratic constraints, and a lack of financial learning support. In contrast, banks cite the absence of structured policy guidelines and tourism-specific credit appraisal tools as key institutional limitations. Despite growing institutional awareness, this study suggests growing opportunities for reformation. This study calls for the development of customized financial supports, enhanced bank capacity, multi-sectoral collaboration, and alignment of financial policy with tourism development goals. It offers significant theoretical implications by aligning institutional theory with relational finance, thereby providing practical examples for the policymakers, banks, and development agencies seeking to foster sustainable and inclusive tourism entrepreneurship development in Bangladesh.
Keywords: Entrepreneurship, Tourism, Financial inclusion, Banking sector, Bangladesh
Corresponding Author Affiliation*: Pabna University of Science and Technology, Bangladesh
PDFPrint ISSN: 2616-518X; Online ISSN: 2616-4701
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