Microcredit: an answer to the gender problem in funding?
AbstractMicrofinance 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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Date of creation: 10 Jan 2008
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Microcredit; Gender; Entrepreneurship; Small business.;
Other versions of this item:
- S. Brana, 2013. "Microcredit: an answer to the gender problem in funding?," Small Business Economics, Springer, vol. 40(1), pages 87-100, January.
- 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
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