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Contribution Details

Type Working Paper
Scope Discipline-based scholarship
Title Gender, Credit, and Firm Outcomes
Organization Unit
Authors
  • Manthos D. Delis
  • Iftekhar Hasan
  • Maria Iosifidi
  • Steven Ongena
Language
  • English
Institution University of Zurich
Series Name Swiss Finance Institute Research Paper
Number 19-70
Date 2020
Abstract Text Small and micro enterprises are usually majority owned by entrepreneurs. Using a unique sample of loan applications from such firms, we study the role of owners’ gender in the credit decision of banks and the post-credit decision firm outcomes. We find that, ceteris paribus, female entrepreneurs are more prudent loan applicants, with both the probabilities to apply for credit and of firm default after the loan origination being smaller. However, the relatively more aggressive behavior of male applicants pays off in terms of higher average firm performance after the loan origination.
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Official URL https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3469613
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Other Identification Number merlin-id:19599
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