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Title:Does gender affect funding success at the peer-to-peer credit markets? Evidence from the largest German lending platform PDF Logo
Authors:Barasinska, Nataliya
Schäfer, Dorothea
Issue Date:2010
Series/Report no.:Discussion papers // German Institute for Economic Research 1094
Abstract:Studies of peer-to-peer lending in the USA find that female borrowers have better chances of getting funds than males. Is differential treatment of borrowers of different sexes a common feature of peer-to-peer lendingmarkets or is it subject to specific businessmodels, ways of fixing loan contracts and even national financial systems? We aim at answering this question by providing evidence on loan procurement at the largest German peer-to-peer lending platform Smava.de. Our results show that gender does not affect individual borrower's chances of funding success on this platform, ceteris paribus. Hence, gender discrimination seems to be a platform-specific phenomenon rather than a common attribute of this innovative form of credit markets.
Subjects:gender
access to credit
peer-to-peer lending
JEL:G21
J16
Document Type:Working Paper
Appears in Collections:DIW-Diskussionspapiere
Publikationen von Forscherinnen und Forschern des DIW

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