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Contribution Details
| Type | Journal Article |
| Scope | Discipline-based scholarship |
| Title | Gender, Credit, and Firm Outcomes |
| Organization Unit | |
| Authors |
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| Item Subtype | Original Work |
| Refereed | Yes |
| Status | Published in final form |
| Language |
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| Journal Title | Journal of Financial and Quantitative Analysis |
| Publisher | Cambridge University Press |
| Geographical Reach | international |
| ISSN | 0022-1090 |
| Volume | 57 |
| Number | 1 |
| Page Range | 359 - 389 |
| Date | 2022 |
| 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. |
| Free access at | Related URL |
| Official URL | https://doi.org/10.1017/S0022109020000897 |
| Related URLs |
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| Digital Object Identifier | 10.1017/S0022109020000897 |
| Other Identification Number | merlin-id:20787 |
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