Sex and Credit: Is There a Gender Bias in Lending?

@article{Beck2012SexAC,
  title={Sex and Credit: Is There a Gender Bias in Lending?},
  author={Thorsten Beck and Patrick Behr and Andreas Madestam},
  journal={Banking \& Insurance eJournal},
  year={2012}
}
Abstract: We exploit the quasi-random assignment of borrowers to loan officers using data from a large Albanian lender to show that own-gender preferences affect both credit supply and demand. Borrowers matched to officers of the opposite gender are less likely to return for a second loan. The effect is larger when officers have little prior exposure to borrowers of the other gender and when they have more discretion to act on their gender beliefs, as proxied by financial market competition and… 
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