کد مقاله | کد نشریه | سال انتشار | مقاله انگلیسی | نسخه تمام متن |
---|---|---|---|---|
990734 | 1481176 | 2013 | 17 صفحه PDF | دانلود رایگان |
![عکس صفحه اول مقاله: Microfinance and Gender: Is There a Glass Ceiling on Loan Size? Microfinance and Gender: Is There a Glass Ceiling on Loan Size?](/preview/png/990734.png)
SummaryMost of the customers of microfinance institutions are female. But do men and women benefit from the same credit conditions? We investigate this issue by presenting an original model and testing its predictions on an exceptional database comprising 34,000 loan applications from a Brazilian microfinance institution. The model determines the optimal loan size fixed by a gender-biased lender, depending on the borrower’s creditworthiness and the intensity of the lender’s bias. The empirical analysis detects no gender bias in loan denial, but uncovers disparate treatment with regard to credit conditions. In particular, we find a “glass ceiling” effect. The gender gap in loan size increases disproportionately with respect to the scale of the borrower’s project. The results are insensitive to the loan officer’s gender.
Journal: World Development - Volume 42, February 2013, Pages 165–181