Preference for women but less preference for indigenous women: A lab-field experiment of loan discrimination in a developing economy

Rolando Gonzales Martínez, Gabriela Aguilera-Lizarazu, Andrea Rojas-Hosse and Patricia Aranda

Working Papers PIERI from PEP-PIERI

Abstract: A field experiment was performed in a controlled laboratory setting to evaluate whether credit officers reject micro-loan applications based on the ethnicity/gender of potential borrowers. Point estimates of a mixed-effects logistic regression suggest that, compared to non-indigenous men, non-indigenous women have two times more chance of loan approval, and indigenous women have 1.5 more chance of loan approval. The interval results regarding ethnic discrimination are inconclusive, however some evidence of taste-based discrimination in credit lending that was favorable for non-indigenous women was found.

Keywords: Credit access; gender gaps; indigenous peoples; discrete choice; Bayesian analysis (search for similar items in EconPapers)
JEL-codes: C11 C25 G21 J15 (search for similar items in EconPapers)
Date: 2016
New Economics Papers: this item is included in nep-exp and nep-mfd
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Citations: View citations in EconPapers (1)

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Persistent link: https://EconPapers.repec.org/RePEc:lvl:piercr:2016-24

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