Microcredit: an answer to the gender problem in funding?
AbstractMicrofinance institutions (MFIs) target people excluded from the traditional banking system. By providing start-up capital to these under-financed individuals, they enable a greater number of women to start their own business, particularly in sectors where initial capital requirements are high. Our study follows a portfolio of 3,640 microcredit applicants in France over the 2000–2006 time period, identifying MFI client profiles and bringing to light gender differences in borrowers compared to a wider sample of entrepreneurs. This study shows that the male–female gap found amongst company creators is also maintained amongst the clienteles of MFIs. Empirical results also suggest that gender is a decisive factor regarding the amount of credit provided to borrowers when comparing with other factors in the borrower and firm profile. Thus to a certain extent, MFIs are found to reinforce gender inequalities in France. Copyright Springer Science+Business Media, LLC. 2013
Download InfoIf you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
As the access to this document is restricted, you may want to look for a different version under "Related research" (further below) or search for a different version of it.
Bibliographic InfoArticle provided by Springer in its journal Small Business Economics.
Volume (Year): 40 (2013)
Issue (Month): 1 (January)
Contact details of provider:
Web page: http://www.springerlink.com/link.asp?id=100338
Microcredit; Gender; Entrepreneurship; Small business; G21; J16; L26; M13;
Other versions of this item:
- Sophie Brana, 2008. "Microcredit: an answer to the gender problem in funding?," Working Papers hal-00740098, HAL.
- Sophie Brana, 2010. "Microcredit: an answer to the gender problem in funding?," Larefi Working Papers 1008, Larefi, Université Bordeaux 4.
- G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
- J16 - Labor and Demographic Economics - - Demographic Economics - - - Economics of Gender; Non-labor Discrimination
- L26 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Entrepreneurship
- M13 - Business Administration and Business Economics; Marketing; Accounting - - Business Administration - - - New Firms; Startups
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Alexander Muravyev & Dorothea Schaefer & Oleksandr Talavera, 2008.
"Entrepreneurs' gender and financial constraints: evidence from international data,"
11, Kyiv School of Economics.
- Muravyev, Alexander & Talavera, Oleksandr & Schäfer, Dorothea, 2009. "Entrepreneurs' gender and financial constraints: Evidence from international data," Journal of Comparative Economics, Elsevier, vol. 37(2), pages 270-286, June.
- Alexander Muravyev & Dorothea Schäfer & Oleksandr Talavera, 2007. "Entrepreneurs' Gender and Financial Constraints: Evidence from International Data," Discussion Papers of DIW Berlin 706, DIW Berlin, German Institute for Economic Research.
- Fay, Michael & Williams, Lesley, 1993. "Gender bias and the availability of business loans," Journal of Business Venturing, Elsevier, vol. 8(4), pages 363-376, July.
- Buttner, E. Holly & Rosen, Benson, 1988. "Bank loan officers' perceptions of the characteristics of men, women, and successful entrepreneurs," Journal of Business Venturing, Elsevier, vol. 3(3), pages 249-258.
- Riding, Allan L. & Swift, Catherine S., 1990. "Women business owners and terms of credit: Some empirical findings of the Canadian experience," Journal of Business Venturing, Elsevier, vol. 5(5), pages 327-340, September.
- Scalera, Domenico & Zazzaro, Alberto, 2001. "Group reputation and persistent (or permanent) discrimination in credit markets," Journal of Multinational Financial Management, Elsevier, vol. 11(4-5), pages 483-496, December.
- DeMartino, Richard & Barbato, Robert, 2003. "Differences between women and men MBA entrepreneurs: exploring family flexibility and wealth creation as career motivators," Journal of Business Venturing, Elsevier, vol. 18(6), pages 815-832, November.
- Rebel A. Cole & Hamid Mehran, 2009. "Gender and the availability of credit to privately held firms: evidence from the surveys of small business finances," Staff Reports 383, Federal Reserve Bank of New York.
- Danes, Sharon M. & Stafford, Kathryn & Loy, Johnben Teik-Cheok, 2007. "Family business performance: The effects of gender and management," Journal of Business Research, Elsevier, vol. 60(10), pages 1058-1069, October.
- Bellucci, Andrea & Borisov, Alexander & Zazzaro, Alberto, 2010.
"Does gender matter in bank-firm relationships? Evidence from small business lending,"
Journal of Banking & Finance,
Elsevier, vol. 34(12), pages 2968-2984, December.
- Andrea Bellucci & Alexander V. Borisov & Alberto Zazzaro, 2009. "Does Gender Matter in Bank-Firm Relationships? Evidence from Small Business Lending," Mo.Fi.R. Working Papers 31, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences.
- Rachel Croson & Uri Gneezy, 2009. "Gender Differences in Preferences," Journal of Economic Literature, American Economic Association, vol. 47(2), pages 448-74, June.
- Watson, John & Robinson, Sherry, 2003. "Adjusting for risk in comparing the performances of male- and female-controlled SMEs," Journal of Business Venturing, Elsevier, vol. 18(6), pages 773-788, November.
- BodenJR., Richard J. & Nucci, Alfred R., 2000. "On the survival prospects of men's and women's new business ventures," Journal of Business Venturing, Elsevier, vol. 15(4), pages 347-362, July.
- Anastasia Cozarenco & Ariane Szafarz, 2013.
"Female Access to Credit in France: How Microfinance Institutions Import Disparate Treatment from Banks,"
Working Papers CEB
13-037, ULB -- Universite Libre de Bruxelles.
- Anastasia Cozarenco & Ariane Szafarz, 2013. "Female Access to Credit in France: How Microfinance Institutions Import Disparate Treatment from Banks," Working Papers halshs-00874448, HAL.
- Anastasia Cozarenco & Ariane Szafarz, 2013. "Female Access to Credit in France: How Microfinance Institutions Import Disparate Treatment from Banks," AMSE Working Papers 1350, Aix-Marseille School of Economics, Marseille, France, revised Oct 2013.
- Dora Gicheva & Albert Link, 2013.
"Leveraging entrepreneurship through private investments: does gender matter?,"
Small Business Economics,
Springer, vol. 40(2), pages 199-210, February.
- Gicheva, Dora & Link, Albert N., 2011. "Leveraging Entrepreneurship through Private Investments: Does Gender Matter?," Working Papers 11-21, University of North Carolina at Greensboro, Department of Economics.
- Bradley, Samantha R. & Gicheva, Dora & Hassell, Lydia & Link, Albert N., 2013. "Gender Differences in Access to Private Investment Funding to Support the Development of New Technologies," Working Papers 13-9, University of North Carolina at Greensboro, Department of Economics.
For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Guenther Eichhorn) or (Christopher F. Baum).
If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.
If references are entirely missing, you can add them using this form.
If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.
If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.
Please note that corrections may take a couple of weeks to filter through the various RePEc services.