Female borrowers and credit risk in microfinance institutions: an international study
by Michael Adusei
European J. of International Management (EJIM), Vol. 21, No. 2, 2023

Abstract: This paper assesses the effect of lending to women on the credit risk of Microfinance Institutions (MFIs). It also investigates whether the effect is sensitive to board gender diversity and female loan officers. To pursue these objectives, the study engages a large data set (2010-2018) covering 555 MFIs in 74 countries. The results from a battery of system GMM estimations suggest that female borrowers worsen the credit risk of MFIs and that the magnitude of this negative impact decreases when female borrowers and board gender diversity interact. Female loan officers come up as having no significant effect on the credit risk of MFIs. Emerging from these results is that whereas board gender diversity matters for the gender-credit risk nexus, female loan officers do not.

Online publication date: Fri, 15-Sep-2023

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