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Persistent link: https://www.econbiz.de/10011349913
with higher gender bias, female-owned firms are more frequently discouraged from applying for bank credit and are more …We identify the causal effect of gender bias on access to finance. We extract an exogenous measure of gender bias from … detailed dataset on small business firms from 17 countries and find that the inherited component of gender bias is associated …
Persistent link: https://www.econbiz.de/10013085662
driven by credit risk differences between female- and male-owned firms in high-gender bias countries or by any idiosyncrasies …We identify the causal effect of gender bias on access to finance. We extract an exogenous measure of gender bias from … detailed dataset on 6,000 small business firms from 17 countries and find that in countries with higher gender bias, female …
Persistent link: https://www.econbiz.de/10013090129
This paper studies the effects of own-gender preferences on the supply of and demand for credit using data from a large …-maturity loans, but do not experience higher arrears. Our results are consistent with the existence of an own-gender bias and … second loan. The effect is larger when officers have little prior exposure to borrowers of the other gender and when they …
Persistent link: https://www.econbiz.de/10012940145
This paper documents and analyzes the gender gap in the online credit market. Using data from Renrendai, a leading peer … their male peers. However, despite the higher creditworthiness, we don't find any measurable gender impact on funding … funding probability to their male peers. This evidence indicates the existence of a gender gap that discriminates against …
Persistent link: https://www.econbiz.de/10012029131
This paper investigates how gender disparities affect the time to repay group micro-finance loans using survival … aggregate default rates that gradually reduced afterward. Our study identified a potential gender gap that has been understudied …
Persistent link: https://www.econbiz.de/10014391252
-religiosity counties have higher credit ratings and lower debt costs. The impact of religiosity is stronger for firms with greater …
Persistent link: https://www.econbiz.de/10012973962
have despite this received scant attention in the credit-line literature. In this paper, I study the liquidity …
Persistent link: https://www.econbiz.de/10014301414
We exploit a nation-wide introduction of mandatory disclosure of borrowers' total credit exposures and show that … sharing such information increases credit access independent of borrowers' history. Differentiating between borrowers applying … history, we find an overall increase in credit access measured by both loan application acceptance and credit amount. While …
Persistent link: https://www.econbiz.de/10014500915
Cyclicality in the losses of bank loans is important for bank risk management. Because loans have a different risk profile than bonds, evidence of cyclicality in bond losses need not apply to loans. Based on unique data we show that the default rate and loss given default of bank loans share a...
Persistent link: https://www.econbiz.de/10010515860