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Female Small Business Owners in China: Discouraged, not Discriminated

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  • Mustafa Caglayan

    (Heriot-Watt University)

  • Oleksandr Talavera

    (University of Birmingham)

  • Lin Xiong

    (Robert Gordon University)

Abstract

Using a unique small business loan application dataset from a peer-to-peer (P2P) digital loan platform in China, we show that lenders do not discriminate against female business owners. However, female entrepreneurs are more likely to be discouraged from applying for funds after a failed attempt compared to their male counterparts. We also find that borrower discouragement is prominent among those from less developed regions or those who need finance for working capital. Although, digitization of financial markets has made external funding more accessible to small business owners, provision of better information on application process would help those who may be discouraged from posting a new funding application.

Suggested Citation

  • Mustafa Caglayan & Oleksandr Talavera & Lin Xiong, 2020. "Female Small Business Owners in China: Discouraged, not Discriminated," Discussion Papers 20-04, Department of Economics, University of Birmingham.
    • Handle: RePEc:bir:birmec:20-04
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    Keywords

    Peer-to-peer (P2P) lending; Small business owners; Gender discrimination; Discouraged borrowers; Repeat rejections; Fintech; Digitization; China;
    All these keywords.

    JEL classification:

    • G14 - Financial Economics - - General Financial Markets - - - Information and Market Efficiency; Event Studies; Insider Trading
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill
    • M10 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration - - - General

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