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Gender and Banking : Are Women Better Loan Officers?

Author

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  • Beck, T.H.L.

    (Tilburg University, Center For Economic Research)

  • Behr, P.
  • Guttler, A.

Abstract

Using a unique data set for a commercial bank in Albania, we analyze gender differences in loan officers' performance. Loans screened and monitored by female loan officers have a lower likelihood to turn problematic than loans handled by male loan officers. This effect cannot be explained by borrower or loan officer selection or differences in screening, work load, and experience. However, while the performance gap always exists for female borrowers, female loan officers only gain a performance advantage with male borrowers with experience and do not have an advantage with borrowers that are legal entities. We therefore interpret this as suggestive evidence for female loan officers' better capacity to build trust relationships with borrowers. Copyright 2013, Oxford University Press.
(This abstract was borrowed from another version of this item.)

Suggested Citation

  • Beck, T.H.L. & Behr, P. & Guttler, A., 2009. "Gender and Banking : Are Women Better Loan Officers?," Discussion Paper 2009-63, Tilburg University, Center for Economic Research.
  • Handle: RePEc:tiu:tiucen:5785f710-d791-4172-a2f3-43cadc595dfa
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    More about this item

    Keywords

    Behavioral banking; loan officers; gender; loan default; monitoring; screening;
    All these keywords.

    JEL classification:

    • 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

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