NAGIOS: RODERIC FUNCIONANDO

Are credit screening contracts designed for men?

Repositori DSpace/Manakin

Valencià Castellano

IMPORTANT: Aquest repositori està en una versió antiga des del 3/12/2023. La nova instal.lació está en https://roderic.uv.es/

Are credit screening contracts designed for men?

Mostra el registre complet de l'element

Visualització (1.527Mb)

Comeig Ramírez, Irene; Jaramillo Gutiérrez, Ainhoa; Ramírez López, Federico

Aquest document és un/a article, creat/da en: 2022

Access to credit is key to succeed in business. Theoretical models of credit under asymmetric information classify borrowers and grant or deny credit, typically based on incentive-compatible contracts with collateral. However, if women are particularly risk averse, female borrowers may be wrongly classified and denied credit. We conduct in three countries a laboratory experiment to study this systematic gender difference. Results show that incentive-compatible contracts with collateral fail to disclose women’s private information, while disclosing men’s private information. We suggest that banks should incorporate the gender difference in risk attitudes to avoid the glass ceiling in women’s access to credit.

Veure al catàleg Trobes