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Caste-Based Discrim...
Caste-Based Discrimination, Microfinance Credit Scores, and Microfinance Loan Approvals Among Females in India
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- Patel, Pankaj C. (författare)
- Villanova University, PA, United States
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- Lenka, Sambit (författare)
- Jönköping University,IHH, Centre for Family Entrepreneurship and Ownership (CeFEO)
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- Parida, Vinit, 1983- (författare)
- Luleå tekniska universitet,Industriell ekonomi,Luleå University of Technology, Sweden; University of Vaasa, School of Management, Vaasa, Finland
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(creator_code:org_t)
- 2020-12-27
- 2022
- Engelska.
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Ingår i: Business & society. - : Sage Publications. - 0007-6503 .- 1552-4205. ; 61:2, s. 372-388
- Relaterad länk:
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https://osuva.uwasa....
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visa fler...
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https://urn.kb.se/re...
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https://doi.org/10.1...
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https://urn.kb.se/re...
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Abstract
Ämnesord
Stäng
- We draw on the phenomenon of caste-based discrimination in India and signaling theory to assess whether microfinance credit scores improve the odds of female micropreneurs from a lower caste receiving loans and whether visible business characteristics further improve the odds of receiving microfinance loans. In a sample of 3,144 female microfinance loan applicants at a female-focused microloan enterprise in India, females from a lower caste, relative to those from a higher caste, have lower odds of receiving loans when their credit scores are below the mean. However, when females from a lower caste have credit scores higher than the mean, the odds of receiving a loan increase. The practical effect of size is small but meaningful. Loan applicants from a lower caste with a visible signal of business ability do not improve their chances of receiving a loan relative to those from a higher caste.
Ämnesord
- SAMHÄLLSVETENSKAP -- Ekonomi och näringsliv -- Företagsekonomi (hsv//swe)
- SOCIAL SCIENCES -- Economics and Business -- Business Administration (hsv//eng)
Nyckelord
- adverse selection
- caste
- credit score
- microfinance
- Entreprenörskap och innovation
- Entrepreneurship and Innovation
Publikations- och innehållstyp
- ref (ämneskategori)
- art (ämneskategori)
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