Change search
CiteExportLink to record
Permanent link

Direct link
Cite
Citation style
  • apa
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • Other style
More styles
Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
  • html
  • text
  • asciidoc
  • rtf
Sex and credit: Do gender interactions matter for credit market outcomes?
Stockholm University, Faculty of Social Sciences, Department of Economics.
Number of Authors: 32018 (English)In: Journal of Banking & Finance, ISSN 0378-4266, E-ISSN 1872-6372, Vol. 87, p. 380-396Article in journal (Refereed) Published
Abstract [en]

This paper studies the effects of gender interactions on the supply of and demand for credit using data from a large Albanian lender. We document that first-time borrowers assigned to officers of the opposite sex are less likely to return for a second loan. The effect is larger when officers have little prior exposure to borrowers of the other gender and when they have more discretion to act on their gender beliefs, as proxied by financial market competition and branch size. We also find that first-time borrowers matched with opposite-sex officers pay higher interest rates and receive smaller and shorter-maturity loans, but do not experience higher arrears. Our results are consistent with the existence of a gender bias and learning effects that lead to the disappearance of the bias.

Place, publisher, year, edition, pages
2018. Vol. 87, p. 380-396
Keywords [en]
Group identity, Gender, Credit supply, Credit demand, Loan officers
National Category
Economics and Business
Identifiers
URN: urn:nbn:se:su:diva-153635DOI: 10.1016/j.jbankfin.2017.10.018ISI: 000425204100025OAI: oai:DiVA.org:su-153635DiVA, id: diva2:1189771
Available from: 2018-03-12 Created: 2018-03-12 Last updated: 2018-03-12Bibliographically approved

Open Access in DiVA

No full text in DiVA

Other links

Publisher's full text

Search in DiVA

By author/editor
Madestam, Andreas
By organisation
Department of Economics
In the same journal
Journal of Banking & Finance
Economics and Business

Search outside of DiVA

GoogleGoogle Scholar

doi
urn-nbn

Altmetric score

doi
urn-nbn
Total: 19 hits
CiteExportLink to record
Permanent link

Direct link
Cite
Citation style
  • apa
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • Other style
More styles
Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
  • html
  • text
  • asciidoc
  • rtf