Are women really risk-averse? The lending behavior of women-owned banking cooperatives in India

Bibliographic Data

ID6058438
AuthorsSaibal Ghosh (0000-0002-8741-6951, Reserve Bank of India, corresponding author)
Year2018
Volume37
Issue6
Pages600-620
Publication date2018-08-20
Peer ReviewedYes
Open AccessYes
TypeARTICLE
VenueEqual Opportunities International (JOURNAL)
Journal identifiersISSN: 1758-7093 • E-ISSN: 2040-7149
PublisherEmerald (PUBLISHER)
DOI10.1108/edi-04-2017-0082
OpenAlexW2809053333
LanguageEN
Citations received2
References cited33

Purpose The purpose of this paper is to examine the lending behavior of women-owned cooperatives (WoCs) by exploiting the natural experiment of the financial crisis, employing a novel data set of Indian cooperative banks during 2004–2013. Design/methodology/approach In view of the longitudinal nature of the data, the authors employ panel data techniques for the purposes of analysis. Findings The findings indicate that WoC banks increased lending to both agriculture and small-scale industries, especially in high-income states. Further disaggregation reveals that the possible weaknesses in asset quality from lending to these sectors in low-income states could be driving the results. Originality/value To the best of our knowledge, this is one of the earliest studies for a leading emerging economy to empirically investigate the behavior of WoC banks and relatedly, how their behavior evolved during the financial crisis

Agriculture · Business · Economics · Financial crisis · Financial system · Macroeconomics · Monetary economics · Originality · Panel data · Qualitative research · Corporate Finance and Governance · Islamic Finance and Banking Studies · Microfinance and Financial Inclusion

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