Female Access to Credit in France: How Microfinance Institutions Import Disparate Treatment from Banks

Anastasia Cozarenco () and Ariane Szafarz ()
Additional contact information
Ariane Szafarz: Université Libre de Bruxelles (ULB), SBS-EM, Centre Emile Bernheim, and Centre for European Research in Microfinance (CERMi), http://www.solvay.edu/profile/arianeszafarz

No 1350, AMSE Working Papers from Aix-Marseille School of Economics, France

Abstract: This paper compares the loans granted to male and female entrepreneurs by a French microfinance institution (MFI). The sample period is split in two: before and after the MFI implemented France's regulatory EUR 10,000 loan ceiling. In the first period, the MFI does not co-finance projects with mainstream banks and loan size is gender-insensitive. In the second period, the MFI does co-finance above-ceiling projects with mainstream banks, and we observe a gender gap in loan size. The results suggest that co-financing leads the originally gender-neutral MFI to import disparate treatment from mainstream banks.

Keywords: Microcredit; bank; loan ceiling; gender; France (search for similar items in EconPapers)
JEL-codes: G21 G28 I38 J16 L51 M13 O52 (search for similar items in EconPapers)
Pages: 31 pages
Date: 2013-12, Revised 2013-12
New Economics Papers: this item is included in nep-ban, nep-ent, nep-hme and nep-mfd
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (2)

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Working Paper: Female Access to Credit in France: How Microfinance Institutions Import Disparate Treatment from Banks (2013)
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Persistent link: https://EconPapers.repec.org/RePEc:aim:wpaimx:1350

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