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Gender bias and credit access


Ongena, Steven; Popov, Alexander (2016). Gender bias and credit access. Journal of Money, Credit and Banking, 48(8):1691-1724.

Abstract

We extract an exogenous measure of gender bias from survey responses by descendants of U.S. immigrants on questions about the role of women in society. We then use data on around 6,000 small business firms from 17 countries and find that in high-gender-bias countries, female entrepreneurs are more likely to opt out of the loan application process and to resort to informal finance, even though banks do not appear to actively discriminate against them. These results are not driven by credit risk differences between female- and male-owned firms or by any idiosyncrasies in the set of countries in our sample.

Abstract

We extract an exogenous measure of gender bias from survey responses by descendants of U.S. immigrants on questions about the role of women in society. We then use data on around 6,000 small business firms from 17 countries and find that in high-gender-bias countries, female entrepreneurs are more likely to opt out of the loan application process and to resort to informal finance, even though banks do not appear to actively discriminate against them. These results are not driven by credit risk differences between female- and male-owned firms or by any idiosyncrasies in the set of countries in our sample.

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Additional indexing

Item Type:Journal Article, refereed, original work
Communities & Collections:03 Faculty of Economics > Department of Banking and Finance
Dewey Decimal Classification:330 Economics
Language:English
Date:December 2016
Deposited On:25 Jan 2017 10:46
Last Modified:26 Jan 2017 04:09
Publisher:Wiley-Blackwell Publishing, Inc.
ISSN:0022-2879
Free access at:Related URL. An embargo period may apply.
Publisher DOI:https://doi.org/10.1111/jmcb.12361
Related URLs:http://onlinelibrary.wiley.com/doi/10.1111/jmcb.12361/full (Publisher)
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2628747 (Organisation)
Other Identification Number:merlin-id:13145

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