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A comment on "Discriminatory Lending: Evidence from Bankers in the Lab"

Author

Listed:
  • Lipari, Francesca
  • Sartarelli, Marcello

Abstract

Brock and De Haas (2023) study the effect of randomising applicant gender in small business loan applications that are reviewed by loan officers at a Turkish bank in a lab-in-the-field experiment based on real-life applications. The main re- sults are: first, that loan approval rates are not gendered (direct discrimination); second loan officers are 6 percentage point (26%) more likely to condition loan ap- proval to a guarantor when the applicant is a female rather than a male (indirect discrimination). In our computational replication we obtain the manuscript results. In addition, a robustness replication shows that the main results are partly driven by the role of loan types, job seniority and population differences among cities.

Suggested Citation

  • Lipari, Francesca & Sartarelli, Marcello, 2024. "A comment on "Discriminatory Lending: Evidence from Bankers in the Lab"," I4R Discussion Paper Series 185, The Institute for Replication (I4R).
    • Handle: RePEc:zbw:i4rdps:185
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    More about this item

    Keywords

    Gender discrimination; lending; lab experiment; field experiment;
    All these keywords.

    JEL classification:

    • C93 - Mathematical and Quantitative Methods - - Design of Experiments - - - Field Experiments
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill
    • J16 - Labor and Demographic Economics - - Demographic Economics - - - Economics of Gender; Non-labor Discrimination
    • L25 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Firm Performance
    • L26 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Entrepreneurship
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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