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Mijid, Naranchimeg
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[Journal:] Cogent Economics & Finance [ISSN:] 2332-2039 [Volume:] 3 [Year:] 2015 [Issue:] 1 [Pages:] 1-14
This paper explores Type 1 credit rationing by gender using data from the 1998 and 2003 Survey of Small Business Finances (SSBF). Type 1 credit rationing occurs when borrowers receive a smaller loan than they requested. We use two measures of Type 1 credit rationing to examine whether it is related to gender discrimination in lending. Our results show that women business owners are not likely to be Type 1 rationed. However, newer female-owned firms receive significantly lower loan amounts than requested compared to their male-owned counterparts. We also find that less experienced women receive significantly lower loan amounts compared to less experienced men.
small business finances
women entrepreneurs
female-owned businesses
perceptions of gender discrimination
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