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Appears in Collections:Management, Work and Organisation Journal Articles
Peer Review Status: Refereed
Title: Gender, Entrepreneurship, and Bank Lending: The Criteria and Processes Used by Bank Loan Officers in Assessing Applications
Authors: Carter, Sara
Shaw, Eleanor
Wing, Lam
Wilson, Fiona
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Issue Date: May-2007
Publisher: Wiley-Blackwell / Baylor University
Citation: Carter S, Shaw E, Wing L & 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.
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.
Type: Journal Article
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Rights: The publisher does not allow this work to be made publicly available in this Repository. Please use the Request a Copy feature at the foot of the Repository record to request a copy directly from the author; you can only request a copy if you wish to use this work for your own research or private study.
Notes: Sara Carter is now employed at the University of Strathclyde
Affiliation: University of Stirling
University of Strathclyde
University of Central Lancashire
University of Glasgow

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