Does Gender Matter in Bank-Firm Relationships? Evidence from Small Business Lending

Andrea Bellucci, Alexander V. Borisov and Alberto Zazzaro ()
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Alexander V. Borisov: Indiana University

No 31, Mo.Fi.R. Working Papers from Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences

Abstract: In this paper we study the relevance of the gender of the contracting parties involved in lending. We show that female entrepreneurs face tighter access to credit, even though they do not pay higher interest rates. The effect is independent of the information available about the borrower and holds if we control for unobservable individual effects. The gender of the loan officer is also important: we find that female officers are more risk-averse or less self-confident than male officers as they tend to restrict credit availability to new, unestablished borrowers more than their male counterparts.

Keywords: Female-owned enterprises; Gender-based discrimination; Loan officers (search for similar items in EconPapers)
JEL-codes: G21 G32 J16 (search for similar items in EconPapers)
Pages: 50
Date: 2009-10
New Economics Papers: this item is included in nep-ent
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (15)

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http://docs.dises.univpm.it/web/quaderni/pdfmofir/Mofir031.pdf First version, 2009 (application/pdf)

Related works:
Journal Article: Does gender matter in bank-firm relationships? Evidence from small business lending (2010)
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Persistent link: https://EconPapers.repec.org/RePEc:anc:wmofir:31

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