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文章基本信息

  • 标题:THE GENDER SIDE OF LENDING: ARE FEMALES BETTER BORROWERS?
  • 本地全文:下载
  • 作者:Michael Adusei ; Sarpong Appiah
  • 期刊名称:Economics and Finance Review
  • 电子版ISSN:2047-0401
  • 出版年度:2011
  • 卷号:1
  • 期号:3
  • 页码:46-50
  • 出版社:Global Research Society
  • 摘要:The study employs binary logistic reg ression analysis to investigate the gender side of lending using cross-sectional data from 198 credit unions collected from the Credit Union Association (CUA) of Ghana. Contrary to anecdotal and empirical evidence in the literature, evidence adduced in this paper underpins the conclusion that female borrowers are not better than their male counterparts. Consequently, the paper contends that lenders in Ghana should not expect any improvement in their loan repayment performance if they lend more to females. Instead, lenders who contemplate better repayment performance should strengthen their management and integrate group lending into their lending operations
  • 关键词:Repayment; Credit Union; Group lending; Gender; Management
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