Are female entrepreneurs better payers than men?
In this article we test whether Italian female entrepreneurs are more reliable payers than men, by carrying out a survival analysis of micro enterprises that utilize a credit for the first time in the period January 2005 to December 2008, and monitoring the quality of their exposure until December 2010. The data were drawn from the Bank of Italyï¿½s Central Credit Register, which provides information on the entire Italian population that has loans with the Italian banking system. We observed that female entrepreneurs are better payers than their male counterparts only because women tend to undertake activities in less risky sectors. Our analysis could also be considered as an indirect measure of whether female entrepreneurs experience discrimination when accessing the Italian credit market.
|Date of creation:||Jun 2013|
|Date of revision:|
|Contact details of provider:|| Postal: Via Nazionale, 91 - 00184 Roma|
Web page: http://www.bancaditalia.it
More information through EDIRC
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.:
- James A. Berkovec & Glenn B. Canner & Stuart A. Gabriel & Timothy H. Hannan, 1994. "Race, redlining, and residential mortgage loan performance," Proceedings, Federal Reserve Bank of Philadelphia, pages 263-298.
- Baydas, Mayada M. & Meyer, Richard L. & Aguilera-Alfred, Nelson, 1994. "Discrimination against women in formal credit markets: Reality or rhetoric?," World Development, Elsevier, vol. 22(7), pages 1073-1082, July.
- John V. Duca & Stuart S. Rosenthal, 1993.
"Borrowing constraints, household debt, and racial discrimination in loan markets,"
9312, Federal Reserve Bank of Dallas.
- Duca John V. & Rosenthal Stuart S., 1993. "Borrowing Constraints, Household Debt, and Racial Discrimination in Loan Markets," Journal of Financial Intermediation, Elsevier, vol. 3(1), pages 77-103, October.
- Duca, John V. & Rosenthal, Stuart S., 1993. "Borrowing constraints, household debt, and racial discrimination in loan markets," Working Papers 9312, Federal Reserve Bank of Dallas.
- Becker, Gary S., 1971. "The Economics of Discrimination," University of Chicago Press Economics Books, University of Chicago Press, edition 2, number 9780226041162.
- Richard L. Peterson, 1981. "An Investigation of Sex Discrimination in Commercial Banks' Direct Consumer Lending," Bell Journal of Economics, The RAND Corporation, vol. 12(2), pages 547-561, Autumn.
- Buvinic, Mayra & Berger, Marguerite, 1990. "Sex differences in access to a small enterprise development fund in Peru," World Development, Elsevier, vol. 18(5), pages 695-705, May.
- Berkovec, James A, et al, 1994. "Race, Redlining, and Residential Mortgage Loan Performance," The Journal of Real Estate Finance and Economics, Springer, vol. 9(3), pages 263-94, November.
- Blanchard, Lloyd & Zhao, Bo & Yinger, John, 2008. "Do lenders discriminate against minority and woman entrepreneurs?," Journal of Urban Economics, Elsevier, vol. 63(2), pages 467-497, March.
- Timothy Bates, 1999. "Available evidence indicates that black-owned firms are often denied equal access to credit," Proceedings 758, Federal Reserve Bank of Chicago.
- Alberto F. Alesina & Francesca Lotti & Paolo Emilio Mistrulli, 2013.
"Do Women Pay More For Credit? Evidence From Italy,"
Journal of the European Economic Association,
European Economic Association, vol. 11, pages 45-66, 01.
- Maria Lucia Stefani & Valerio Vacca, 2013. "Credit access for female firms: evidence from a survey on European SMEs," Questioni di Economia e Finanza (Occasional Papers) 176, Bank of Italy, Economic Research and International Relations Area.
When requesting a correction, please mention this item's handle: RePEc:bdi:opques:qef_186_13. See general information about how to correct material in RePEc.
For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: ()
If references are entirely missing, you can add them using this form.