of start-ups in which firms' sales and profits depend on their productivity and access to credit. However, due to the … lack of collateral assets such as land, female entrepreneurs have more constrained access to credit than do men. Testing …

of start-ups in which firms’ sales and profits depend on their productivity and access to credit. However, due to the … lack of collateral assets such as land, female entrepreneurs have more constrained access to credit than do men. Testing …