Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/162512 
Year of Publication: 
2017
Series/Report no.: 
Discussion Paper No. 13
Publisher: 
Ludwig-Maximilians-Universität München und Humboldt-Universität zu Berlin, Collaborative Research Center Transregio 190 - Rationality and Competition, München und Berlin
Abstract: 
We measure the quality of applications for online peer-to-peer lending in Germany and relate it to gender discrimination. The data context allows summarizing application quality as a single numeric measure, the expected internal rate of return. The measure serves as a control variable and is interacted with the applicants' gender. We find that women enjoy higher funding rates than men, mainly because they are less punished when they offer a low application quality. The evidence is consistent with the hypothesis that the predominantly male lenders have a less precise understanding of women's applications than of men's applications.
Subjects: 
gender discrimination
household finance
irrational beliefs
JEL: 
D14
D84
Document Type: 
Working Paper

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