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Does a manager's gender matter when accessing credit? Evidence from European data

Andrea Moro, Tomasz Piotr Wisniewski and Guido Massimiliano Mantovani

Journal of Banking & Finance, 2017, vol. 80, issue C, 119-134

Abstract: Firms can be credit constrained either because a loan has been denied by the lender or because they decide not to apply for such a loan due to expected rejection. Using a large sample of European small and medium enterprises, we investigate the relationship between gender and credit constraints. Although no evidence is found that financial institutions are biased against female managers, female-run firms are less likely to file a loan application, as they anticipate being rejected. As a consequence, firms managed by women obtain less bank financing.

Keywords: Gender discrimination; SME; Discouraged borrowers; Credit constraints (search for similar items in EconPapers)
JEL-codes: A13 G21 J16 (search for similar items in EconPapers)
Date: 2017
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