Please use this identifier to cite or link to this item: http://hdl.handle.net/10419/149182
Authors: 
Diaz-Serrano, Luis
Sackey, Frank Gyimah
Year of Publication: 
2016
Series/Report no.: 
IZA Discussion Papers 10323
Abstract: 
The study aims at testing the Ghana Microfinance Policy set up to support the vulnerable through access to credit. We resort to the Blinder-Oaxaca decomposition to determine if there is positive discrimination in favor of women and young entrepreneurs in the rationing behavior of the microfinance companies. This is what we should expect if the policy is effective. Our results show that even after controlling for a large number of borrower characteristics, microfinance type and credit worthiness variables, there is positive discrimination that favors female and young entrepreneurs as this discrimination is largely determined by the differential treatment these groups receive in respect of men and older borrowers from microfinance institutions. Our results show that the Government microfinance is the most severe in the rationing behavior towards the discriminating groups.
Subjects: 
credit rationing
Ghana
microfinance
positive discrimination
JEL: 
G21
J16
Document Type: 
Working Paper

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