Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/234661 
Year of Publication: 
2020
Series/Report no.: 
IDB Working Paper Series No. IDB-WP-1053
Publisher: 
Inter-American Development Bank (IDB), Washington, DC
Abstract: 
We randomly assigned consumer loan requests (of random amount and length) to gender-balanced prospective-borrowers who then randomly submitted them to a representative sample of loan-officers from Chilean banks. We find that loan requests submitted by women are 18.3% less likely to be approved, with most of the gender effect coming from gender-biased officers, particularly males. We further randomly informed some officers about official statistics indicating that women have higher repayment rates than men and find that gender-biased officers in the treatment-group discriminated more against women relative to their control counterparts, suggesting overconfidence bias as a potential mechanism behind taste-based discrimination.
Subjects: 
Gender discrimination
Consumer loans
Experimental evidence
JEL: 
J16
J71
G20
G41
Persistent Identifier of the first edition: 
Creative Commons License: 
cc-by-nc-nd Logo
Document Type: 
Working Paper

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