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Are Women Really More Risk-Averse? The Lending Behaviour of Women-owned Cooperatives in India

Author

Listed:
  • Jugnu Ansari

    (Centre for Advanced Financial Research and Learning (CAFRAL))

  • Saibal Ghosh

    (Centre for Advanced Financial Research and Learning (CAFRAL))

Abstract

Employing a novel dataset of Indian cooperative banks during 2004-2013, we exploit the natural experiment of the financial crisis to examine the lending behaviour of women-owned cooperatives. The findings indicate that these banks increased lending to both agriculture and smallscale industries, especially in high-income states. Further disaggregation reveals that the possible weaknesses in asset quality from lending to these sectors in low-income states could be driving the results. Robustness tests support these findings.

Suggested Citation

  • Jugnu Ansari & Saibal Ghosh, 2017. "Are Women Really More Risk-Averse? The Lending Behaviour of Women-owned Cooperatives in India," Working Papers 022329, Centre for Advanced Financial Research and Learning (CAFRAL).
    • Handle: RePEc:ris:cafral:022329
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    File URL: https://www.cafral.org.in/sfControl/content/Speech/621201790348PMAre_Women_Really_More_Risk-Averse.pdf
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