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Bank Credit Access and Gender Discrimination: Some Stylized Facts

In: Financial Crisis, Bank Behaviour and Credit Crunch

Author

Listed:
  • Emma Galli

    (Sapienza University of Rome)

  • Stefania P. S. Rossi

    (University of Cagliari)

Abstract

Based on a broad body of literature that investigates the determinants of gender discrimination in the credit market, we provide some descriptive evidence on women’s access to credit by employing a set of financial viability and socio-economic data for a sample of 11 European countries after the global financial crisis (2009–2013). From our preliminary analysis it emerges that, on the demand side, female firms apply for bank loans less than male firms, and one of the relevant determinants for their decision not to apply is the fear of rejection. On the supply side, when applying, female firms face a higher rate of rejection or receive less bank financing than male firms. No general patterns seem to emerge when crossing micro and macro data, even though at the country level, we detect some correspondence between banking system characteristics, socio-institutional indicators and gender differences in access to formal credit.

Suggested Citation

  • Emma Galli & Stefania P. S. Rossi, 2016. "Bank Credit Access and Gender Discrimination: Some Stylized Facts," Contributions to Economics, in: Stefania P.S. Rossi & Roberto Malavasi (ed.), Financial Crisis, Bank Behaviour and Credit Crunch, edition 1, pages 111-123, Springer.
    • Handle: RePEc:spr:conchp:978-3-319-17413-6_8
    DOI: 10.1007/978-3-319-17413-6_8
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    Cited by:

    1. de Andrés, Pablo & Gimeno, Ricardo & Mateos de Cabo, Ruth, 2021. "The gender gap in bank credit access," Journal of Corporate Finance, Elsevier, vol. 71(C).
    2. Ferdinando Giglio, 2020. "Access to Credit and Women Entrepreneurs: A Systematic Literature Review," European Research Studies Journal, European Research Studies Journal, vol. 0(4), pages 312-335.
    3. Rose Fiamohe & Sènakpon Fidèle Ange Dedehouanou & Abdelkrim Araar, 2024. "What microfinance schemes for women-owned microenterprises’ productivity in rural Benin?," Small Business Economics, Springer, vol. 62(3), pages 1075-1097, March.
    4. Ferdinando Giglio, 2021. "Access to Credit and Women Entrepreneurs: A Systematic Literature Review," International Journal of Economics and Finance, Canadian Center of Science and Education, vol. 13(10), pages 1-12, September.

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