Women's Access to Credit: Does It Matter for Household Efficiency?
研究发现，当女性无法满足资本需求时，家庭效率会额外下降11%，表明仅以户主为分析单位会低估信贷约束的经济影响。
Abstract Studies that assess the impact of credit constraints on farm households' efficiency have largely used the household as the unit of analysis. This can be problematic when there are gender‐based market imperfections and asymmetries in how rights, resources, and responsibilities are distributed within the household. Constraints on women matter: in addition to the efficiency loss associated with the husbands' credit constraints, when women are unable to meet their needs for capital, their households experienced an additional 11% drop in efficiency. This suggests that there are efficiency‐based arguments for enhancing women's access to capital and that studies based only on the household's head may significantly underestimate the true economic impact of credit constraints.