Gendered Access to Finance: The Roles of Team Formation, Idea Quality, and Implementation Constraints in Business Evaluations

Vojtĕch Bartŏs, Silvia Castro, Kristina Czura, Timm Opitz and Vojtech Bartos
Authors registered in the RePEc Author Service: Vojtěch Bartoš

No 11205, CESifo Working Paper Series from CESifo

Abstract: We analyze gender bias in entrepreneurship finance. Access to finance is crucial for entrepreneurial success, yet women are particularly constrained. We structurally unpack whether loan officers evaluate business ideas and implementation constraints differently for male and female entrepreneurs, for both individual entrepreneurs and for entrepreneurial teams. In a lab-in-the-field experiment with Ugandan loan officers, we document gender bias against individual female entrepreneurs, but no bias for entrepreneurial teams. The bias is not driven by animus but by differential beliefs about women’s implementation constraints in running a business. Policies aimed at team formation and alleviating family-related constraints may help to promote equal access to finance, ultimately stimulating growth.

Keywords: gender bias; access to finance; entrepreneurship finance; business evaluations; teams; lab-in-the-field experiment (search for similar items in EconPapers)
JEL-codes: C90 D91 G21 J16 L25 L26 O16 (search for similar items in EconPapers)
Date: 2024
New Economics Papers: this item is included in nep-cfn, nep-ent, nep-exp, nep-gen and nep-lab
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Related works:
Working Paper: Gendered Access to Finance: The Role of Team Formation, Idea Quality, and Implementation Constraints in Business Evaluations (2023)
Working Paper: Gendered Access to Finance: The Role of Team Formation, Idea Quality, and Implementation Constraints in Business Evaluations (2023)
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Persistent link: https://EconPapers.repec.org/RePEc:ces:ceswps:_11205

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