No man, No cry? Gender equality in access to credit and financial stability

Caroline Perrin and Laurent Weill

Finance Research Letters, 2022, vol. 47, issue PB

Abstract: Literature has found that women outperform men in terms of loan repayment. We can therefore question whether more gender equality in access to credit fosters financial stability. We test this hypothesis using cross-country data on financial inclusion from the World Bank's Global Findex database and bank-level data on financial stability. We perform regressions at the bank level to check the existence of a relation between the female-to-male ratio of access to credit and financial stability. We find evidence of a negative relation between the gender gap in access to credit and financial stability. Therefore our findings support the view that enhancing access to credit for women relative to men is beneficial for financial stability.

Keywords: Financial inclusion; Access to credit; Financial stability; Gender equality (search for similar items in EconPapers)
Date: 2022
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Citations: View citations in EconPapers (5)

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Persistent link: https://EconPapers.repec.org/RePEc:eee:finlet:v:47:y:2022:i:pb:s154461232200023x

DOI: 10.1016/j.frl.2022.102694

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