Gender differences in bank loan access

Giorgio Calcagnini, Germana Giombini and Elisa Lenti ()
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Elisa Lenti: Department of Economics, Society & Politics, Università di Urbino "Carlo Bo"

No 1212, Working Papers from University of Urbino Carlo Bo, Department of Economics, Society & Politics - Scientific Committee - L. Stefanini & G. Travaglini

Abstract: Traditionally female entrepreneurs report difficulties or higher costs in accessing bank credit. These difficulties can be either the result of supply side discrimination, or the lower profitability of female-owned firms than male-owned ones. This paper aims at analyzing gender differences in bank loan access by means of a large dataset on firms? lines of credit provided by four Italian banks over the period 2005-2008. Estimates show that, after controlling for loan, firm and bank characteristics, female-owned firms: (a) experience a higher probability of having to pledge guarantees than male-owned firms; (b) have a lower probability of access to credit.

Keywords: Gender discrimination; Bank loan; Guarantees. (search for similar items in EconPapers)
JEL-codes: D82 E43 G21 (search for similar items in EconPapers)
Pages: 41 pages
Date: 2012, Revised 2012
New Economics Papers: this item is included in nep-ban, nep-dem and nep-mac
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Citations: View citations in EconPapers (4)

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http://www.econ.uniurb.it/RePEc/urb/wpaper/WP_12_12.pdf First version, 2012 (application/pdf)

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