Are Women Really More Risk-Averse? The Lending Behaviour of Women-owned Cooperatives in India

Jugnu Ansari and Saibal Ghosh

Working Papers from Centre for Advanced Financial Research and Learning (CAFRAL)

Abstract: Employing a novel dataset of Indian cooperative banks during 2004-2013, we exploit the natural experiment of the financial crisis to examine the lending behaviour of women-owned cooperatives. The findings indicate that these banks increased lending to both agriculture and smallscale industries, especially in high-income states. Further disaggregation reveals that the possible weaknesses in asset quality from lending to these sectors in low-income states could be driving the results. Robustness tests support these findings.

Keywords: cooperative; women-owned banks; agriculture; small-scale industries; India (search for similar items in EconPapers)
Pages: 27
Date: 2017-06
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