Audio By Vocalize A trader at a market in Kisumu. [File, Standard] Expanding access to credit has been the cornerstone of financial inclusion for women-owned businesses. Governments, financial institutions and development partners have worked to reduce collateral requirements, digitise lending, simplify applications and make more funds available for lending. These efforts have undoubtedly widened access to formal financial services. Yet, despite this progress, many women-owned micro-enterprises continue to struggle to grow, suggesting that access to credit alone is not enough. In a recent article, I explored why some women choose not to borrow, even when formal credit is available to…