Les obstacles au financement des entrepreneures dans la région MENA: auto-sélection et discrimination

Imène Berguiga and Philippe Adair

Revue française d'économie, 2022, vol. Volume XXXVII, issue 1, 165-193

Abstract: Is loan funding to female entrepreneurs in Middle East and North Africa (MENA) a matter of self-selection from borrowers and/or discrimination from lenders ? First, empirical literature review displays mixed evidence. Second, two logistic regression models study respectively the behaviour of loan borrowers and financial institutions by gender on a sample of 6,284 companies in 2019/2020 in six MENA countries (Egypt, Morocco, Tunisia, Lebanon, Jordan and Palestine). There is self-selection and discrimination for female owners. Third, the estimation of the models on a sub-sample of Micro, Small and Medium sized Enterprises provides the same results and stands as a robustness test.

Date: 2022
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