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Gender, Credit, and Firm Outcomes

Delis, Manthos D; Hasan, Iftekhar; Iosifidi, Maria; Ongena, Steven (2022). Gender, Credit, and Firm Outcomes. Journal of Financial and Quantitative Analysis, 57(1):359-389.

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:Journal Article, refereed, original work
Communities & Collections:03 Faculty of Economics > Department of Finance
Dewey Decimal Classification:330 Economics
Scopus Subject Areas:Social Sciences & Humanities > Accounting
Social Sciences & Humanities > Finance
Social Sciences & Humanities > Economics and Econometrics
Scope:Discipline-based scholarship (basic research)
Language:English
Date:February 2022
Deposited On:28 Jun 2022 06:39
Last Modified:27 Oct 2024 02:41
Publisher:Cambridge University Press
ISSN:0022-1090
OA Status:Green
Free access at:Related URL. An embargo period may apply.
Publisher DOI:https://doi.org/10.1017/S0022109020000897
Official URL:https://doi.org/10.1017/S0022109020000897
Related URLs:https://www.zora.uzh.ch/id/eprint/193026/ (Organisation)
Other Identification Number:merlin-id:20787
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