The Myth of Female Credit Discrimination in African Manufacturing
利用16个撒哈拉以南非洲国家的企业数据，研究发现女性拥有的小企业比男性更少受到信贷约束，而中型企业则相反，表明存在对女性的信贷偏好而非歧视。
We examine credit constraint differentials between male and female manufacturing entrepreneurs using firm data from 16 sub-Saharan Africa countries. Small enterprises owned by female entrepreneurs are less likely to be credit constrained compared to their male counterparts, while this is reversed for medium-sized enterprises. A generalised Oaxaca-Blinder decomposition shows that the gap is predominantly a pure gender effect. We argue that this finding is mainly due to female favouritism in loans to micro and small firms because the gap is reversed for medium-sized enterprises and because we find no sign of superior female entrepreneurial performance in observable indicators.