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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. (author)
- Villanova University, PA, United States
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- Lenka, Sambit (author)
- Jönköping University,IHH, Centre for Family Entrepreneurship and Ownership (CeFEO)
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- Parida, Vinit, 1983- (author)
- 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
- English.
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In: Business & society. - : Sage Publications. - 0007-6503 .- 1552-4205. ; 61:2, s. 372-388
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Abstract
Subject headings
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- 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.
Subject headings
- SAMHÄLLSVETENSKAP -- Ekonomi och näringsliv -- Företagsekonomi (hsv//swe)
- SOCIAL SCIENCES -- Economics and Business -- Business Administration (hsv//eng)
Keyword
- adverse selection
- caste
- credit score
- microfinance
- Entreprenörskap och innovation
- Entrepreneurship and Innovation
Publication and Content Type
- ref (subject category)
- art (subject category)
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