妇女小额信贷:有经济原因吗?来自拉丁美洲的证据

IF 0.6 Q3 Economics, Econometrics and Finance

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

Jamil Civitarese, R. Leite

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引用次数: 7

摘要

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。

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

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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来源期刊

Economics Bulletin ECONOMICS-

CiteScore

1.60

自引率

0.00%

发文量

期刊介绍： The Economic Bulletin is an open-access letters journal founded in 2001 with the mission of providing free and extremely rapid scientific communication across the entire community of research economists. EB publishes original notes, comments, and preliminary results. We are especially interested in publishingmanuscripts that keep the profession informed about on-going research programs. Our publication standard is that a manuscript be original, correct and of interest to a specialist. Submissions in these categories are refereed and our objective is to make a decision within two months. Accepted papers are published immediately. It is expected that in many cases, manuscripts published in these categories will form the foundation for more complete works to besubsequently submitted to other journals. In all cases, submissions are restricted to seven printed pages exclusive of references, tables, figures, and appendices, and must be in PDF format. EB also publishes non-refereed letters to the editor, conference announcements and research announcements.