Open Access BASE2013

Women's Access to Credit in France: How Microfinance Institutions Import Disparate Treatment from Banks

Cozarenco, Anastasia; Szafarz, Ariane

Open Access

Abstract

This paper compares the loans granted to male and female entrepreneurs by a French microfinance institution (MFI). The sample period is split in two: before and after the MFI implemented France's regulatory EUR 10,000 loan ceiling. In the first period, the MFI does not co-finance projects with mainstream banks and loan size is gender-insensitive. In the second period, the MFI does co-finance above-ceiling projects with mainstream banks, and we observe a gender gap in loan size. The results suggest that co-financing leads the originally gender-neutral MFI to import disparate treatment from mainstream banks. ; info:eu-repo/semantics/published

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