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Gender, Credit, and Firm Outcomes

Delis, Manthos D.; Hasan, Iftekhar; Iosifidi, Maria; Ongena, Steven (2020). Gender, Credit, and Firm Outcomes. Swiss Finance Institute Research Paper 19-70, University of Zurich.

Abstract

Small and micro enterprises are usually majority owned by entrepreneurs. Using a unique sample of loan applications from such firms, we study the role of owners’ gender in the credit decision of banks and the post-credit decision firm outcomes. We find that, ceteris paribus, female entrepreneurs are more prudent loan applicants, with both the probabilities to apply for credit and of firm default after the loan origination being smaller. However, the relatively more aggressive behavior of male applicants pays off in terms of higher average firm performance after the loan origination.

Additional indexing

Item Type:Working Paper
Communities & Collections:03 Faculty of Economics > Department of Finance
Dewey Decimal Classification:330 Economics
Scope:Discipline-based scholarship (basic research)
Language:English
Date:1 July 2020
Deposited On:04 Dec 2020 08:24
Last Modified:27 May 2024 15:23
Series Name:Swiss Finance Institute Research Paper
OA Status:Green
Free access at:Official URL. An embargo period may apply.
Official URL:https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3469613
Related URLs:https://www.zora.uzh.ch/id/eprint/219192/ (Organisation)
Other Identification Number:merlin-id:19599
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