Do women pay more for credit?
Subtitle: evidence from italy
By: Alberto F. Alesina, Francesca Lotti, Paolo Emilio Mistrulli.
Contributors: Lotti, Francesca.; Mistrulli, Paolo Emilio.; National Bureau of Economic Research.
Series: NBER working paper series -- working paper 14202; Working paper series (National Bureau of Economic Research : Online) -- working paper no. 14202.
Publisher: National Bureau of Economic Research
Published: 2008
Place of publication: Cambridge, MA
Language: eng
Format: Electronic resource
Description: "The answer is yes.  By using a unique and large data set on overdraft contracts between banks and microfirms and self-employed individuals, we find robust evidence that women in Italy pay more for overdraft facilities than men.  We could not find any evidence that women are riskier then men.  The male/female differential remains even after controlling for a large number of characteristics of the type of business, the borrower and the market structure of the credit market.  The result is not driven by women using a different type of bank than men, since the same bank charges different rates to male and female borrowers.  Social capital does play a role: high levels of trust loosen credit conditions by lowering interest rates, but this benefit is not evenly distributed, as women benefit from increased social capital less than men"--National Bureau of Economic Research web site.
Notes: Title from PDF file as viewed on 8/8/2008.

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