Loan Officers’ Gender and Microfinance Repayment Rates
研究了墨西哥小额信贷中信贷员特征对借款人还款率的影响，发现男性信贷员比女性更能促使借款人还款，可能源于男性权威及工作条件优势。
This study examines the impact of loan officer characteristics on repayment rates of microfinance borrowers in Mexico applying multilevel analyses, with special attention to the impact of the gender of the loan officer on default rates. The results strongly suggest that loan officers play a crucial role in improving repayment rates in microfinance and that male loan officers are better able to induce borrowers to repay than female loan officers. This may be because men exert authority over women and face fewer problems working late, travelling through unsafe places, and combining a position as counsellor with enforcing repayment.