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Microcredit: an answer to the gender problem in funding?

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  • Sophie Brana

    (Larefi - Laboratoire d'analyse et de recherche en économie et finance internationales - Université Montesquieu - Bordeaux IV : EA2954)

Abstract

Microfinance institutions (MFIs) target poor people, excluded from the banking system. By giving them starting capital, they should thus enable a greater number of women to create their own business, but also in sectors traditionally reserved for men due to the initial capital they require. Our study covers a portfolio of 3,640 microcredits in France over the 2000-2006 period. It identifies microfinance institutions' client profiles, brings to light the men/women differences and compares them to a wider sample of entrepreneurs. We show that the men/women gap found amongst company creators is maintained amongst clients of MFIs. We also demonstrate that the gender criterion is a decisive factor of the amount of the microcredit when compared to the borrower and firm profile. To a certain extent, MFI thus reproduce gender inequalities.

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Bibliographic Info

Paper provided by HAL in its series Working Papers with number hal-00740098.

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Date of creation: 10 Jan 2008
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Handle: RePEc:hal:wpaper:hal-00740098

Note: View the original document on HAL open archive server: http://hal.archives-ouvertes.fr/hal-00740098
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Related research

Keywords: Microcredit; Gender; Entrepreneurship; Small business.;

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References

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  1. 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.
  2. Alexander Muravyev & Dorothea Schaefer & Oleksandr Talavera, 2008. "Entrepreneurs' gender and financial constraints: evidence from international data," Discussion Papers 11, Kyiv School of Economics.
  3. 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.
  4. 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.
  5. 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.
  6. Verheul, Ingrid & Thurik, Roy, 2001. " Start-Up Capital: "Does Gender Matter?"," Small Business Economics, Springer, vol. 16(4), pages 329-45, June.
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. Rachel Croson & Uri Gneezy, 2009. "Gender Differences in Preferences," Journal of Economic Literature, American Economic Association, vol. 47(2), pages 448-74, June.
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Cited by:
  1. 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.
  2. 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 Dec 2013.
  3. 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.
  4. In Lee & Matthew Marvel, 2014. "Revisiting the entrepreneur gender–performance relationship: a firm perspective," Small Business Economics, Springer, vol. 42(4), pages 769-786, April.

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