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Women’s Access to Credit in France: How Microfinance Institutions Import Disparate Treatment from Banks

Anastasia Cozarenco () and Ariane Szafarz

No 13-037, Working Papers CEB from ULB -- Universite Libre de Bruxelles

Abstract: This paper compares the loans granted to male and female entrepreneurs by a French microfinance institution (MFI). The sample period is split in two: before and after the MFI implemented France's regulatory EUR 10,000 loan ceiling. In the first period, the MFI does not co-finance projects with mainstream banks and loan size is gender-insensitive. In the second period, the MFI does co-finance above-ceiling projects with mainstream banks, and we observe a gender gap in loan size. The results suggest that co-financing leads the originally gender-neutral MFI to import disparate treatment from mainstream banks.

Keywords: microcredit; loan ceiling; bank; gender; France (search for similar items in EconPapers)
JEL-codes: G21 J16 M13 L51 G28 O52 I38 (search for similar items in EconPapers)
Pages: 36 p.
Date: 2013-10-14
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