Bank credit constraints for women‐led SMEs: Self‐restraint or lender bias?
| Autor: | Stefania Patrizia Sonia Rossi, Emma Galli, Danilo V. Mascia |
|---|---|
| Přispěvatelé: | Galli, Emma, Mascia, Danilo, Rossi, STEFANIA PATRIZIA SONIA |
| Rok vydání: | 2020 |
| Předmět: |
Gender discrimination
access to finance self‐restraint education Face (sociological concept) SMEs Sample (statistics) Bank credit Accounting self-restraint 0502 economics and business Gender bias gender discrimination health care economics and organizations 040101 forestry 050208 finance SME 05 social sciences 04 agricultural and veterinary sciences bank lending Test (assessment) Access to finance bank lending SMEs self‐restraint gender discrimination 0401 agriculture forestry and fisheries Demographic economics Access to finance Business General Economics Econometrics and Finance |
| Zdroj: | European Financial Management. 26:1147-1188 |
| ISSN: | 1468-036X 1354-7798 |
| DOI: | 10.1111/eufm.12255 |
| Popis: | We test the existence of possible gender biases affecting the firm behaviour in demanding and obtaining bank credit using a cross‐country sample of European SMEs. We show consistent evidence that female‐led firms are more likely than their male counterparts to refrain from applying for loans. When they apply, apparently female‐led enterprises do not seem to face gender discrimination from the lender. Interestingly, however, signs of gender bias appear to arise during the upside phase of the economy. Overall, our study provides support for policy actions aimed at reducing the frictions faced by women‐led SMEs when accessing credit markets. |
| Databáze: | OpenAIRE |
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