Arbeitspapier
Bad taste: Gender discrimination in the consumer credit market
We randomly assigned consumer loan requests (of random amount and length) to gender-balanced prospective-borrowers who then randomly submitted them to a representative sample of loan-officers from Chilean banks. We find that loan requests submitted by women are 18.3% less likely to be approved, with most of the gender effect coming from gender-biased officers, particularly males. We further randomly informed some officers about official statistics indicating that women have higher repayment rates than men and find that gender-biased officers in the treatment-group discriminated more against women relative to their control counterparts, suggesting overconfidence bias as a potential mechanism behind taste-based discrimination.
- Sprache
-
Englisch
- Erschienen in
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Series: IDB Working Paper Series ; No. IDB-WP-1053
- Klassifikation
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Wirtschaft
Economics of Gender; Non-labor Discrimination
Labor Discrimination
Financial Institutions and Services: General
Behavioral Finance: Role and Effects of Psychological, Emotional, Social, and Cognitive Factors on Decision Making in Financial Markets‡
- Thema
-
Gender discrimination
Consumer loans
Experimental evidence
- Ereignis
-
Geistige Schöpfung
- (wer)
-
Montoya, Ana María
Parrado, Eric
Solis, Alex
Undurraga, Raimundo
- Ereignis
-
Veröffentlichung
- (wer)
-
Inter-American Development Bank (IDB)
- (wo)
-
Washington, DC
- (wann)
-
2020
- DOI
-
doi:10.18235/0001921
- Handle
- Letzte Aktualisierung
-
10.03.2025, 11:44 MEZ
Datenpartner
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Objekttyp
- Arbeitspapier
Beteiligte
- Montoya, Ana María
- Parrado, Eric
- Solis, Alex
- Undurraga, Raimundo
- Inter-American Development Bank (IDB)
Entstanden
- 2020