Female small business owners in China: discouraged, not discriminated

Mustafa Caglayan; Oleksandr Talavera; Lin Xiong

doi:10.1016/j.intfin.2022.101649

Female small business owners in China: discouraged, not discriminated

Mustafa Caglayan, Oleksandr Talavera, Lin Xiong^*

^*Corresponding author for this work

Economics

Research output: Contribution to journal › Article › peer-review

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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.

Original language	English
Article number	101649
Journal	Journal of International Financial Markets, Institutions and Money
Volume	80
Early online date	8 Sept 2022
DOIs	https://doi.org/10.1016/j.intfin.2022.101649
Publication status	Published - 10 Sept 2022

Bibliographical note

Funding Information:
Standard disclaimer applies. This research is supported by the Economic and Social Research Council (ESRC) grant ES/P004741/1 . In memory of Professor Josephine Maltby (1954–2017).

Publisher Copyright:
© 2022

Keywords

China
Digitization
Discouraged borrowers
Fintech
Gender discrimination
Peer-to-peer (P2P) lending
Repeat rejections
Small business owners

ASJC Scopus subject areas

Finance
Economics and Econometrics

UN SDGs

This output contributes to the following UN Sustainable Development Goals (SDGs)

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Cite this

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Female small business owners in China: discouraged, not discriminated

Abstract

Bibliographical note

Keywords

ASJC Scopus subject areas

UN SDGs

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