Are Women More Credit-Constrained than Men?: Evidence from a Rising Credit Market

Nataliya Barasinska and Dorothea Schäfer

No 6.3, Working Paper / FINESS from DIW Berlin, German Institute for Economic Research

Abstract: This study investigates whether gender discrimination is taking place in an innovative credit market known as peer-to-peer lending. Based on the data of the largest German peer-to-peer lending platform, we observe that female borrowers pay on average higher interest rates than males despite the fact that the two gender groups do not differ with respect to their credit risk. Our analysis shows however that this interest rate gap doesn't emerge because of discrimination against female borrowers. In all probability, female borrowers deliberately offer higher interest rates in anticipation that they would be otherwise discriminated.

Keywords: gender; financial constraints; peer-to-peer lending (search for similar items in EconPapers)
JEL-codes: G21 J16 (search for similar items in EconPapers)
Pages: 27 p.
Date: 2010
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (6)

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Persistent link: https://EconPapers.repec.org/RePEc:diw:diwfin:diwfin6.3

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