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Should gender be a determinant factor for granting crowdfunded microloans?

dc.contributor.authorCruz Rambaud, Salvador
dc.contributor.authorLópez Pascual, Joaquín
dc.contributor.authorMoro-Visconti, Roberto
dc.contributor.authorSantandreu, Emilio M.
dc.identifier.citationCruz Rambaud, S., López Pascual, J., Moro-Visconti, R. et al. Should gender be a determinant factor for granting crowdfunded microloans? Humanit Soc Sci Commun 9, 448 (2022).
dc.descriptionGrateful for the assistance of David John Sumpter who has proofread this manuscript and the support by OUR Microlending, Miami, FL, USAes
dc.description.abstractCrowdfunded microloans are a suitable tool for financing basic economic activities in developing as well as developed countries, favouring female empowerment. Despite the loans being relatively small, the widespread use of this instrument merits analyzing the factors affecting the microloan. One of these factors is gender because microloans are an important tool to finance projects promoted by women in many developing countries where microfinance is widely diffused. This research aims to determine if the gender of crowdfunded micro-borrowers is related to the main features which define the conditions of a microloan: amount, term, number of lenders, length of time to contact with borrowers and repayment system. The methodology used is the multinomial logit regression. The sample used in this study has been obtained by applying sampling techniques to a extensive public database from Kiva. This provided information on microloans from 56 countries around the world. The results based on amount, term, repayment method and recruitment period indicate that women are the best borrowers. All these variables, except the term, are significant at a 5% level. These findings may be useful to improve financial inclusion and outreach, consistently with the Sustainable Development Goals. Future research is needed to assess how “green and pink” microfinance (with environmental strategies particularly favored by women) can attract more ESG-compliant crowdfunding
dc.publisherSpringer Naturees
dc.rightsAtribución 4.0 Internacional*
dc.titleShould gender be a determinant factor for granting crowdfunded microloans?es

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