Artículo
Credit risk in the microfinance industry: The role of gender affinity
Autor/es | Blanco Oliver, Antonio Jesús
Reguera Alvarado, Nuria Veronesi, Gianluca |
Departamento | Universidad de Sevilla. Departamento de Economía Financiera y Dirección de Operaciones Universidad de Sevilla. Departamento de Contabilidad y Economía Financiera |
Fecha de publicación | 2021 |
Fecha de depósito | 2021-07-30 |
Publicado en |
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Resumen | This study explores the role played by gender in lending trans-actions and specifically its effects on the loan portfolio credit risk
of microfinance institutions (MFIs). Using a multicountry data set
of developing ... This study explores the role played by gender in lending trans-actions and specifically its effects on the loan portfolio credit risk of microfinance institutions (MFIs). Using a multicountry data set of developing countries, where MFIs mainly operate, the analy-sis shows that a higher proportion of female loan officers increases the loan portfolio at risk. Nonetheless, we also find that this positive relationship is negatively mediated by the gender affinity between female loan officers and female bor-rowers. Gender affinity suggests that female loan officers are more likely to lend to female borrowers, and this reduces the default rate of loans offered by MFIs |
Cita | Blanco Oliver, A.J., Reguera Alvarado, N. y Veronesi, G. (2021). Credit risk in the microfinance industry: The role of gender affinity. Journal of Small Business Management, 59 (2), 280-311. |
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