Gender, Credit Risk and Performance in Sub-Saharan African Microfinance Institutions

IF 2.1 Q3 BUSINESS

Journal of African Business Pub Date : 2022-05-25 DOI:10.1080/15228916.2022.2079275

Hadizatou Ali, Jean-Pierre Gueyié, E. Chrysostome

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引用次数: 6

Abstract

ABSTRACT The involvement of women in business in developing countries has become a subject of great interest for many researchers. In particular, female involvement in microfinance institutions has received special attention from governments and development institutions given its potential impact on poverty alleviation. This paper assesses the effect of gender on the credit risk and performance of microfinance institutions in sub-Saharan Africa. A sample of 43 microfinance institutions from 19 sub-Saharan African countries was selected and data was collected over the period 2010–2016. Seemingly unrelated regressions (SURs) were performed to examine how gender affects the credit risk and performance of microfinance institutions. The findings do not show any significant impact of female loan officers on credit risk, financial performance or social performance. Thus, all else being equal in the countries analyzed, female loan officers do not impact the credit risk and performance differently compared to male credit officers. The contribution of this paper is to shed light on the debate on the impact of gender on the performance of microfinance institutions.

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撒哈拉以南非洲小额信贷机构的性别、信贷风险和绩效

摘要发展中国家妇女参与商业已经成为许多研究人员感兴趣的主题。特别是，妇女参与小额金融机构受到政府和发展机构的特别关注，因为这可能对减贫产生影响。本文评估了性别对撒哈拉以南非洲小额信贷机构信贷风险和绩效的影响。选取了来自19个撒哈拉以南非洲国家的43家小额信贷机构作为样本，收集了2010-2016年期间的数据。进行了看似不相关的回归（SUR），以检验性别如何影响小额信贷机构的信贷风险和绩效。调查结果没有显示女性贷款官员对信贷风险、财务表现或社会表现有任何重大影响。因此，在所分析的国家中，在其他条件相同的情况下，与男性信贷官员相比，女性信贷官员对信贷风险和绩效的影响并不不同。本文件的贡献是阐明关于性别对小额金融机构业绩影响的辩论。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Journal of African Business BUSINESS-

CiteScore

4.60

自引率

10.50%

发文量

期刊介绍： Journal of African Business is the official journal of the Academy of African Business and Development, the largest network of professionals committed to advancement of business development in African nations. JAB strives to comprehensively cover all business disciplines by publishing high quality analytical, conceptual, and empirical articles that demonstrate a substantial contribution to the broad domain of African business. Regardless of the research context, tradition, approach, or philosophy, manuscripts submitted to JAB must demonstrate that the topics investigated are important to the understanding of business practices and the advancement of business knowledge in or with Africa. Particularly, JAB welcomes qualitative and quantitative research papers. JAB is not, however, limited to African-based empirical studies. It searches for various contributions, including those based on countries outside Africa that address issues relevant to African business. Targeted toward academics, policymakers, consultants, and executives, JAB features the latest theoretical developments and cutting-edge research that challenge established beliefs and paradigms and offer alternative ways to cope with the endless change in the business world. Covered areas: Accounting; Agribusiness Management and Policy; Business Law; Economics and Development Policy; Entrepreneurship and Family Business; Finance; Global Business; Human Resource Management; Information and Communications Technology (ICT); Labor Relations; Marketing; Management Information Systems (MIS); Non-Profit Management; Operations and Supply Chain Management; Organizational Behavior and Theory; Organizational Development; Service Management; Small Business Management; Social Responsibility and Ethics; Strategic Management Policy; Technology and Innovation Management; Tourism and Hospitality Management; Transportation and Logistics