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Are credit screening contracts designed for men?

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Are credit screening contracts designed for men?

dc.contributor.author	Comeig Ramírez, Irene
dc.contributor.author	Jaramillo Gutiérrez, Ainhoa
dc.contributor.author	Ramírez López, Federico
dc.date.accessioned	2023-03-07T12:03:47Z
dc.date.available	2023-03-08T05:45:06Z
dc.date.issued	2022	es_ES
dc.identifier.citation	Comeig, I., Jaramillo-Gutiérrez, A. & Ramírez, F. Are credit screening contracts designed for men?. Serv Bus 16, 883–905 (2022). https://doi.org/10.1007/s11628-022-00485-w	es_ES
dc.identifier.uri	https://hdl.handle.net/10550/85697
dc.description.abstract	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.	es_ES
dc.language.iso	en	es_ES
dc.publisher	Springer	es_ES
dc.subject	behavioral fnance	es_ES
dc.subject	credit screening	es_ES
dc.subject	entrepreneurship	es_ES
dc.subject	experiments	es_ES
dc.subject	gender	es_ES
dc.title	Are credit screening contracts designed for men?	es_ES
dc.type	journal article	es_ES
dc.subject.unesco	UNESCO::CIENCIAS ECONÓMICAS	es_ES
dc.identifier.doi	10.1007/s11628-022-00485-w	es_ES
dc.accrualmethod	S	es_ES
dc.embargo.terms	0 days	es_ES