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      Bank credit, microfinance and female ownership: Are women more disadvantaged than men?

      Wellalage, Nirosha Hewa; Thrikawala, Sujani Sudhara
      Files
      Bank credit microfinance and female ownership - Are women more disadvantaged than men.pdf
      Accepted version, 965.1Kb
      This file wil be publicly accessible from 2023-10-01
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      DOI
       10.1016/j.frl.2021.101929
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      Permanent link to Research Commons version
      https://hdl.handle.net/10289/15434
      Abstract
      Using a comprehensive dataset on unlisted firms in 22 developing countries this paper analyses the relationship between gender, microfinance and access to bank credit. Using heckprobit to control sample selection bias, we reveal evidence of discrimination against female-owned and female-led firms. Also, we find that a mechanism for microfinance to empower women is facilitating loan applications and loan approvals for female-owned firms. Our paper highlights the importance of addressing gender discrimination in the credit market in order to facilitate the development of female-owned firms.
      Date
      2021-10
      Type
      Journal Article
      Publisher
      ACADEMIC PRESS INC ELSEVIER SCIENCE
      Rights
      This is an author’s accepted version of an article published in the journal: Finance Research Letters. © 2021 Elsevier Inc.
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      • Management Papers [1125]
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