Does Gender Affect Funding Success at the Peer-to-Peer Credit Markets? Evidence from the Largest German Lending Platform

36 Pages Posted: 13 Jan 2011

See all articles by Nataliya Barasinska

Nataliya Barasinska

German Institute for Economic Research (DIW Berlin)

Dorothea Schaefer

German Institute for Economic Research (DIW Berlin); JIBS

Date Written: December 2010

Abstract

Studies of peer-to-peer lending in the USA find that female borrowers have better chances of getting funds than males. Is differential treatment of borrowers of different sexes a common feature of peer-to-peer lendingmarkets or is it subject to specific businessmodels, ways of fixing loan contracts and even national financial systems? We aim at answering this question by providing evidence on loan procurement at the largest German peer-to-peer lending platform Smava.de. Our results show that gender does not affect individual borrower''s chances of funding success on this platform, ceteris paribus. Hence, gender discrimination seems to be a platform-specific phenomenon rather than a common attribute of this innovative form of credit markets.

Keywords: gender, access to credit, peer-to-peer lending

JEL Classification: G21, J16

Suggested Citation

Barasinska, Nataliya and Schaefer, Dorothea, Does Gender Affect Funding Success at the Peer-to-Peer Credit Markets? Evidence from the Largest German Lending Platform (December 2010). DIW Berlin Discussion Paper No. 1094, Available at SSRN: https://ssrn.com/abstract=1738837 or http://dx.doi.org/10.2139/ssrn.1738837

Nataliya Barasinska

German Institute for Economic Research (DIW Berlin) ( email )

Mohrenstraße 58
Berlin, 10117
Germany

Dorothea Schaefer (Contact Author)

German Institute for Economic Research (DIW Berlin) ( email )

Mohrenstraße 58
Berlin, 10117
Germany
+49 30 8978 9162 (Phone)
+49 30 8978 9104 (Fax)

JIBS ( email )

Jönköping, 55111
Sweden

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