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Gender differences in bank loan access

  • Giorgio Calcagnini

    ()

    (Department of Economics, Society & Politics, Università di Urbino "Carlo Bo")

  • Germana Giombini

    ()

    (Department of Economics, Society & Politics, Università di Urbino "Carlo Bo")

  • Elisa Lenti

    ()

    (Department of Economics, Society & Politics, Università di Urbino "Carlo Bo")

Traditionally female entrepreneurs report difficulties or higher costs in accessing bank credit. These difficulties can be either the result of supply side discrimination, or the lower profitability of female-owned firms than male-owned ones. This paper aims at analyzing gender differences in bank loan access by means of a large dataset on firms’ lines of credit provided by four Italian banks over the period 2005-2008. Estimates show that, after controlling for loan, firm and bank characteristics, female-owned firms: (a) experience a higher probability of having to pledge guarantees than male-owned firms; (b) have a lower probability of access to credit.

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File URL: http://www.econ.uniurb.it/RePEc/urb/wpaper/WP_12_12.pdf
File Function: First version, 2012
Download Restriction: no

Paper provided by University of Urbino Carlo Bo, Department of Economics, Society & Politics - Scientific Committee - L. Stefanini & G. Travaglini in its series Working Papers with number 1212.

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Length: 41 pages
Date of creation: 2012
Date of revision: 2012
Handle: RePEc:urb:wpaper:12_12
Contact details of provider: Web page: http://www.econ.uniurb.it/
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  1. Pietro Alessandrini & Andrea F. Presbitero & Alberto Zazzaro, 2009. "Banks, Distances and Firms' Financing Constraints," Review of Finance, European Finance Association, vol. 13(2), pages 261-307.
  2. Muravyev, Alexander & Talavera, Oleksandr & Schäfer, Dorothea, 2009. "Entrepreneurs' gender and financial constraints: Evidence from international data," Journal of Comparative Economics, Elsevier, vol. 37(2), pages 270-286, June.
  3. Hirofumi Uchida & Gregory F. Udell & Nobuyoshi Yamori, 2009. "Loan Officers and Relationship Lending to SMEs," Mo.Fi.R. Working Papers 16, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences.
  4. Presbitero, Andrea F. & Zazzaro, Alberto, 2011. "Competition and relationship lending: Friends or foes?," Journal of Financial Intermediation, Elsevier, vol. 20(3), pages 387-413, July.
  5. Carletti, Elena & Cerasi, Vittoria & Daltung, Sonja, 2004. "Multiple-bank lending: diversification and free-riding in monitoring," Sonderforschungsbereich 504 Publications 04-15, Sonderforschungsbereich 504, Universität Mannheim;Sonderforschungsbereich 504, University of Mannheim.
  6. Roy Thurik & Ingrid Verheul, 2000. "Start-up capital: Differences between male and female entrepreneurs," Scales Research Reports H199910, EIM Business and Policy Research.
  7. Becker, Gary S., 1971. "The Economics of Discrimination," University of Chicago Press Economics Books, University of Chicago Press, edition 2, number 9780226041162.
  8. Andrea Bellucci & Ilario Favaretto & Germana Giombini, 2012. "Imprese innovative ed accesso al credito. Un’indagine empirica," ARGOMENTI, FrancoAngeli Editore, vol. 2012(36), pages 5-27.
  9. Arito Ono & Iichiro Uesugi, 2009. "Role of Collateral and Personal Guarantees in Relationship Lending: Evidence from Japan's SME Loan Market," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 41(5), pages 935-960, 08.
  10. 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.
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