Female small business owners in China: discouraged, not discriminated.

Caglayan, Mustafa; Talavera, Oleksandr; Xiong, Lin

Abstract

Using a unique small business loan application dataset from a peer-to-peer (P2P) digital loan platform in China, we show that female entrepreneurs are more likely to be discouraged from applying for funds after a failed attempt compared to their male counterparts. Female discouragement persists at different regional development levels and is prominent among those who need finance for working capital. Although digitization of financial markets has made external funding more accessible to small business owners, disclosing more information during the application process would help those discouraged from posting a new funding application.

Citation

CAGLAYAN, M., TALAVERA, O. and XIONG, L. 2022. Female small business owners in China: discouraged, not discriminated. Journal of international financial markets, institutions and money [online], 80, article number 101649. Available from: https://doi.org/10.1016/j.intfin.2022.101649

• Journal Article Type: Article
• Acceptance Date: Sep 1, 2022
• Online Publication Date: Sep 8, 2022
• Publication Date: Sep 30, 2022
• Deposit Date: May 7, 2024
• Publicly Available Date: May 7, 2024
• Journal: Journal of international financial markets, institutions and money
• Print ISSN: 1042-4431
• Electronic ISSN: 1873-0612
• Publisher: Elsevier
• Peer Reviewed: Peer Reviewed
• Volume: 80
• Article Number: 101649
• DOI: https://doi.org/10.1016/j.intfin.2022.101649
• Keywords: Peer-to-peer (P2P) lending; Small business owners; Gender discrimination; Discouraged borrowers; Repeat rejections; Fintech; Digitization; China
• Public URL: https://rgu-repository.worktribe.com/output/2060508