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
Series: IDB Working Paper Series ; No. IDB-WP-1053

Klassifikation
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

Dieses Objekt wird bereitgestellt von:
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. Bei Fragen zum Objekt wenden Sie sich bitte an den Datenpartner.

Objekttyp

  • Arbeitspapier

Beteiligte

  • Montoya, Ana María
  • Parrado, Eric
  • Solis, Alex
  • Undurraga, Raimundo
  • Inter-American Development Bank (IDB)

Entstanden

  • 2020

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