Title: Gender Differences in Type 1 Credit Rationing of Small Businesses in the US
Abstract: This paper explores Type 1 credit rationing by gender using data from Survey of Small Business Finances. Type 1 credit rationing occurs when borrowers receive a smaller loan than they requested. We use two measures of Type 1 credit rationing to examine whether it is related to gender discrimination in lending. Our results show that women business owners are not likely to be Type 1 rationed. However, newer female-owned firms receive significantly lower loan amounts than requested compared to their male-owned counterparts. We also find that less experienced women receive significantly lower loan amounts compared to less experienced men.
Publication Year: 2014
Publication Date: 2014-02-03
Language: en
Type: article
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