Gender Bias Claims in Farm Service Agencyâ€™s Lending Decisions
AbstractThis study analyzes the courtsâ€™ denial of women farmersâ€™ motion for class-action certification of their lawsuits alleging gender discrimination in Farm Service Agency (FSA) lending decisions. The plaintiffsâ€™ claim of â€œcommonalityâ€ of circumstances in women farmersâ€™ dealings with FSA is tested using a four-year sampling of Georgia FSA loan applications. The econometric framework has been developed after accounting for the separability of loan approval and amount decisions, as well as endogeneity issues through instrumental variable estimation. This studyâ€™s results do not produce overwhelming evidence of gender bias in FSA loan approval decisions and in favor of the â€œcommonalityâ€ argument among Georgia FSA farm loan applicants.
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Bibliographic InfoArticle provided by Western Agricultural Economics Association in its journal Journal of Agricultural and Resource Economics.
Volume (Year): 34 (2009)
Issue (Month): 2 (August)
class-action suit; credit risk; creditworthiness; gender discrimination; Heckman selection; instrumental variable probit; Labor and Human Capital;
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- Escalante, Cesar L. & Brooks, Rodney L. & Epperson, James E. & Stegelin, Forrest E., 2006. "Credit Risk Assessment and Racial Minority Lending at the Farm Service Agency," Journal of Agricultural and Applied Economics, Southern Agricultural Economics Association, vol. 38(01), April.
- Jeffrey M. Lacker, 1995. "Neighborhoods and banking," Economic Quarterly, Federal Reserve Bank of Richmond, issue Spr, pages 13-38.
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