{"title":"妇女小额信贷:有经济原因吗?来自拉丁美洲的证据","authors":"Jamil Civitarese, R. Leite","doi":"10.2139/ssrn.3042338","DOIUrl":null,"url":null,"abstract":"Our main research question is whether, using more robust statistical methods, the effect of the percentage of female borrowers of a Microfinance Institution (MFI) on the delinquency of the portfolio still holds. By using two samples of Latin American MFIs, we show that there is no relation between the percentage of female borrowers in an MFI portfolio and MFI economic outcomes. The relation between portfolio-at-risk and gender is not found when using a dynamic panel to account for serial autocorrelation, thus not accepting the hypothesis that women repay better than men. Hence, this paper suggests that MFIs lend more to women for reasons beyond just \"economic\" ones, such as empowering women and helping poor people, otherwise unable to access credit lines, get loans in Latin America.","PeriodicalId":47355,"journal":{"name":"Economics Bulletin","volume":null,"pages":null},"PeriodicalIF":0.6000,"publicationDate":"2017-09-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"7","resultStr":"{\"title\":\"Microfinance for Women: Are There Economical Reasons? Evidence from Latin America\",\"authors\":\"Jamil Civitarese, R. Leite\",\"doi\":\"10.2139/ssrn.3042338\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"Our main research question is whether, using more robust statistical methods, the effect of the percentage of female borrowers of a Microfinance Institution (MFI) on the delinquency of the portfolio still holds. By using two samples of Latin American MFIs, we show that there is no relation between the percentage of female borrowers in an MFI portfolio and MFI economic outcomes. The relation between portfolio-at-risk and gender is not found when using a dynamic panel to account for serial autocorrelation, thus not accepting the hypothesis that women repay better than men. Hence, this paper suggests that MFIs lend more to women for reasons beyond just \\\"economic\\\" ones, such as empowering women and helping poor people, otherwise unable to access credit lines, get loans in Latin America.\",\"PeriodicalId\":47355,\"journal\":{\"name\":\"Economics Bulletin\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":0.6000,\"publicationDate\":\"2017-09-24\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"7\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Economics Bulletin\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.2139/ssrn.3042338\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q3\",\"JCRName\":\"Economics, Econometrics and Finance\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Economics Bulletin","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.2139/ssrn.3042338","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q3","JCRName":"Economics, Econometrics and Finance","Score":null,"Total":0}
Microfinance for Women: Are There Economical Reasons? Evidence from Latin America
Our main research question is whether, using more robust statistical methods, the effect of the percentage of female borrowers of a Microfinance Institution (MFI) on the delinquency of the portfolio still holds. By using two samples of Latin American MFIs, we show that there is no relation between the percentage of female borrowers in an MFI portfolio and MFI economic outcomes. The relation between portfolio-at-risk and gender is not found when using a dynamic panel to account for serial autocorrelation, thus not accepting the hypothesis that women repay better than men. Hence, this paper suggests that MFIs lend more to women for reasons beyond just "economic" ones, such as empowering women and helping poor people, otherwise unable to access credit lines, get loans in Latin America.
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The Economic Bulletin is an open-access letters journal founded in 2001 with the mission of providing free and extremely rapid scientific communication across the entire community of research economists. EB publishes original notes, comments, and preliminary results. We are especially interested in publishingmanuscripts that keep the profession informed about on-going research programs. Our publication standard is that a manuscript be original, correct and of interest to a specialist. Submissions in these categories are refereed and our objective is to make a decision within two months. Accepted papers are published immediately. It is expected that in many cases, manuscripts published in these categories will form the foundation for more complete works to besubsequently submitted to other journals. In all cases, submissions are restricted to seven printed pages exclusive of references, tables, figures, and appendices, and must be in PDF format. EB also publishes non-refereed letters to the editor, conference announcements and research announcements.
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