Female small business owners in China: Discouraged, not discriminated

Mustafa Caglayan (), Oleksandr Talavera () and Lin Xiong

Journal of International Financial Markets, Institutions and Money, 2022, vol. 80, issue C

Abstract: Using a unique small business loan application dataset from a peer-to-peer (P2P) digital loan platform in China, we show that female entrepreneurs are more likely to be discouraged from applying for funds after a failed attempt compared to their male counterparts. Female discouragement persists at different regional development levels and is prominent among those who need finance for working capital. Although digitization of financial markets has made external funding more accessible to small business owners, disclosing more information during the application process would help those discouraged from posting a new funding application.

Keywords: Peer-to-peer (P2P) lending; Small business owners; Gender discrimination; Discouraged borrowers; Repeat rejections; Fintech; Digitization; China (search for similar items in EconPapers)
JEL-codes: G14 G32 M10 (search for similar items in EconPapers)
Date: 2022
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (2)

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Working Paper: Female Small Business Owners in China: Discouraged, not Discriminated (2020)
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Persistent link: https://EconPapers.repec.org/RePEc:eee:intfin:v:80:y:2022:i:c:s1042443122001214

DOI: 10.1016/j.intfin.2022.101649

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