Are Women More Credit Constrained? Experimental Evidence on Gender and Microenterprise Returns

We report on a field experiment providing random grants to microenterprise owners. The grants generated large profit increases for male owners but not for female owners. We show that the gender gap does not simply mask differences in ability, risk aversion, entrepreneurial attitudes, or differences...

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Main Authors:	de Mel, Suresh, McKenzie, David, Woodruff, Christopher
Format:	Journal Article
Language:	EN
Published:	2012
Subjects:	Household Production and Intrahousehold Allocation D130 Personal Finance D140 Economics of Gender Non-labor Discrimination J160 Firm Performance: Size, Diversification, and Scope L250 Entrepreneurship L260 Microeconomic Analyses of Economic Development O120 Economic Development: Financial Markets Saving and Capital Investment Corporate Finance and Governance O160 Microdata Set
Online Access:	http://hdl.handle.net/10986/5592

id	okr-10986-5592
recordtype	oai_dc
spelling	okr-10986-55922021-04-23T14:02:23Z Are Women More Credit Constrained? Experimental Evidence on Gender and Microenterprise Returns de Mel, Suresh McKenzie, David Woodruff, Christopher Household Production and Intrahousehold Allocation D130 Personal Finance D140 Economics of Gender Non-labor Discrimination J160 Firm Performance: Size, Diversification, and Scope L250 Entrepreneurship L260 Microeconomic Analyses of Economic Development O120 Economic Development: Financial Markets Saving and Capital Investment Corporate Finance and Governance O160 Microdata Set We report on a field experiment providing random grants to microenterprise owners. The grants generated large profit increases for male owners but not for female owners. We show that the gender gap does not simply mask differences in ability, risk aversion, entrepreneurial attitudes, or differences in reporting behavior, but there is some evidence that the gender gap is larger in female-dominated industries. The data are not consistent with a unitary household model, and imply an inefficiency of resource allocation within households. We show evidence that this inefficiency is reduced in more cooperative households. 2012-03-30T07:33:35Z 2012-03-30T07:33:35Z 2009 Journal Article American Economic Journal: Applied Economics 19457782 http://hdl.handle.net/10986/5592 EN CC BY-NC-ND 3.0 IGO http://creativecommons.org/licenses/by-nc-nd/3.0/igo World Bank Journal Article
repository_type	Digital Repository
institution_category	Foreign Institution
institution	Digital Repositories
building	World Bank Open Knowledge Repository
collection	World Bank
language	EN
topic	Household Production and Intrahousehold Allocation D130 Personal Finance D140 Economics of Gender Non-labor Discrimination J160 Firm Performance: Size, Diversification, and Scope L250 Entrepreneurship L260 Microeconomic Analyses of Economic Development O120 Economic Development: Financial Markets Saving and Capital Investment Corporate Finance and Governance O160 Microdata Set
spellingShingle	Household Production and Intrahousehold Allocation D130 Personal Finance D140 Economics of Gender Non-labor Discrimination J160 Firm Performance: Size, Diversification, and Scope L250 Entrepreneurship L260 Microeconomic Analyses of Economic Development O120 Economic Development: Financial Markets Saving and Capital Investment Corporate Finance and Governance O160 Microdata Set de Mel, Suresh McKenzie, David Woodruff, Christopher Are Women More Credit Constrained? Experimental Evidence on Gender and Microenterprise Returns
description	We report on a field experiment providing random grants to microenterprise owners. The grants generated large profit increases for male owners but not for female owners. We show that the gender gap does not simply mask differences in ability, risk aversion, entrepreneurial attitudes, or differences in reporting behavior, but there is some evidence that the gender gap is larger in female-dominated industries. The data are not consistent with a unitary household model, and imply an inefficiency of resource allocation within households. We show evidence that this inefficiency is reduced in more cooperative households.
format	Journal Article
author	de Mel, Suresh McKenzie, David Woodruff, Christopher
author_facet	de Mel, Suresh McKenzie, David Woodruff, Christopher
author_sort	de Mel, Suresh
title	Are Women More Credit Constrained? Experimental Evidence on Gender and Microenterprise Returns
title_short	Are Women More Credit Constrained? Experimental Evidence on Gender and Microenterprise Returns
title_full	Are Women More Credit Constrained? Experimental Evidence on Gender and Microenterprise Returns
title_fullStr	Are Women More Credit Constrained? Experimental Evidence on Gender and Microenterprise Returns
title_full_unstemmed	Are Women More Credit Constrained? Experimental Evidence on Gender and Microenterprise Returns
title_sort	are women more credit constrained? experimental evidence on gender and microenterprise returns
publishDate	2012
url	http://hdl.handle.net/10986/5592
_version_	1764395600191684608

Are Women More Credit Constrained? Experimental Evidence on Gender and Microenterprise Returns

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