On why women-owned businesses take more time to secure microloans

Goran Calic (), Moren Lévesque () and Anton Shevchenko ()
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Goran Calic: McMaster University
Moren Lévesque: York University
Anton Shevchenko: Concordia University

Small Business Economics, 2024, vol. 63, issue 3, No 3, 917-938

Abstract: Abstract Examining gender differences in business financing reveals important dimensions on which women- and men-owned businesses differ. Although considerable progress has been made in understanding gender differences in mobilizing resources, the role of time in business financing remains an underexplored topic, particularly among marginalized entrepreneurs, where decisions about and outcomes related to time play an important role in business success. Leveraging the literature on gender role congruity and risk preferences along with a sample of nearly 300,000 microloans funded on the kiva.org platform, we explore whether the timespan for women to reach their microloan funding goal differs from that of men and how borrowers’ strategies regarding the size and repayment duration of these microloans influence this gender difference.

Keywords: Gender; Kiva; Microfinance; Risk; Time (search for similar items in EconPapers)
JEL-codes: C12 E22 G23 J16 L26 M21 (search for similar items in EconPapers)
Date: 2024
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DOI: 10.1007/s11187-023-00851-6

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