Microfinance for Women: Are There Economical Reasons? Evidence from Latin America

IF 0.6 Q3 Economics, Econometrics and Finance

Economics Bulletin Pub Date : 2017-09-24 DOI:10.2139/ssrn.3042338

Jamil Civitarese, R. Leite

引用次数: 7

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.

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妇女小额信贷:有经济原因吗?来自拉丁美洲的证据

我们的主要研究问题是，使用更可靠的统计方法，小额信贷机构(MFI)的女性借款人百分比对投资组合拖欠的影响是否仍然存在。通过使用拉丁美洲小额信贷机构的两个样本，我们表明小额信贷机构投资组合中女性借款人的百分比与小额信贷机构的经济成果之间没有关系。当使用动态面板来解释序列自相关时，没有发现风险投资组合与性别之间的关系，因此不接受女性比男性回报更好的假设。因此，本文认为小额信贷机构向妇女提供更多贷款的原因不仅仅是“经济”原因，例如赋予妇女权力和帮助穷人，否则无法获得信贷额度，在拉丁美洲获得贷款。

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

Economics Bulletin ECONOMICS-

CiteScore

1.60

自引率

0.00%

发文量

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