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Gender, entrepreneurship, and bank lending: the criteria and processes used by bank loan officers in assessing applications

Carter, S.L. and Shaw, E. and Lam, W. and Wilson, F. (2007) Gender, entrepreneurship, and bank lending: the criteria and processes used by bank loan officers in assessing applications. Entrepreneurship Theory and Practice, 31 (3). pp. 427-444. ISSN 1042-2587

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Abstract

Previous research provides unequivocal evidence that women-owned businesses start with both lower levels of overall capitalization and lower ratios of debt finance. Structural dissimilarities between male-owned and female-owned businesses explain most, but by no means all, of these contrasting funding profiles. Explanations of residual differences, viewed in terms of supply-side discrimination or demand-side debt and risk aversion, remain controversial. Using experimental and qualitative methodologies, this study explores the role of gender in bank lending decisions, focusing on the criteria and processes used by male and female loan officers. Results reveal similarities in the criteria used to assess male and female applicants but show modest differences in the emphasis given to certain criteria by male and female lending officers. The processes used by male and female lending officers to negotiate loan applications revealed the greatest differences.

Item type: Article
ID code: 17915
Keywords: gender, entrepreneurship, bank ledning, Management. Industrial Management, Economics and Econometrics, Business and International Management
Subjects: Social Sciences > Industries. Land use. Labor > Management. Industrial Management
Department: Strathclyde Business School > Hunter Centre For Entrepreneurship
Strathclyde Business School > Marketing
Faculty of Education > Childhood and Primary Studies
Related URLs:
    Depositing user: Strathprints Administrator
    Date Deposited: 05 May 2010 12:40
    Last modified: 05 Sep 2014 01:38
    URI: http://strathprints.strath.ac.uk/id/eprint/17915

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