性别与信贷：贷款规模和信贷偿还绩效的不平等？来自马里的证据

IF 5.7 1区社会学 Q1 GEOGRAPHY

Journal of Rural Studies Pub Date : 2025-09-23 DOI:10.1016/j.jrurstud.2025.103888

Johanna Deiß , Tim Ölkers , Oliver Mußhoff

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引用次数: 0

摘要

本研究考察了贷款规模中的性别不平等，并探讨了马里信贷市场中潜在的歧视性做法。利用一家商业银行的数据，它首先分析了贷款规模的性别差异。为了进一步评估待遇差异，分析了信贷还款绩效中的性别差异，并调查了不同贷款数量的性别差距。结果显示，女性客户获得的贷款在统计上一直显著低于男性客户。还款表现的调查结果喜忧参半：从统计上看，女性出现轻微延迟的可能性更大，但从统计上看，出现超过30天的严重延迟的可能性更小。这些差异表明，信贷员对男性和女性客户的待遇可能不同，这有助于马里关于性别和信贷的文献。

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Gender and credit: Inequalities in loan size and credit repayment performance? Evidence from Mali

This study examines gender inequalities in loan sizes and explores potential discriminatory practices in the Malian credit market. Using data from a commercial bank, it first analyzes gender differences in loan size. To further assess treatment disparities, gender differences in credit repayment performance are analyzed and gender gaps across different numbers of loans investigated. The results show that female clients consistently receive statistically significantly smaller loans than male clients. Repayment performance findings are mixed: women are statistically significantly more likely to have small delays but statistically significantly less likely to have severe delays of over 30 days. These disparities suggest that loan officers may treat male and female clients differently, contributing to the literature on gender and credit in Mali.

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来源期刊

Journal of Rural Studies Multiple-

CiteScore

9.80

自引率

9.80%

发文量

286

期刊介绍： The Journal of Rural Studies publishes research articles relating to such rural issues as society, demography, housing, employment, transport, services, land-use, recreation, agriculture and conservation. The focus is on those areas encompassing extensive land-use, with small-scale and diffuse settlement patterns and communities linked into the surrounding landscape and milieux. Particular emphasis will be given to aspects of planning policy and management. The journal is international and interdisciplinary in scope and content.