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Female and male risk aversion: An empirical study of loan officers’ assessment of SME loan applications
Mid Sweden University, Faculty of Human Sciences, Department of Business, Economics and Law.
Mid Sweden University, Faculty of Human Sciences, Department of Business, Economics and Law.
Mid Sweden University, Faculty of Human Sciences, Department of Business, Economics and Law.ORCID iD: 0000-0001-5731-0489
2014 (English)In: International Journal of Gender and Entrepreneurship, ISSN 1756-6266, E-ISSN 1756-6274, Vol. 6, no 2, 121-141 p.Article in journal (Refereed) Published
Abstract [en]

Purpose – The aim of the paper is to analyse female and male loan officers' (LOs) risk aversion as they assess different types of small- and medium-sized enterprises' (SMEs) loan applications.

Design/methodology/approach – The data were gathered from a sample of 75 Swedish LOs, using the repertory grid technique and related questions. The data were analysed statistically.

Findings – The findings demonstrate that female LOs focus more on collateral (used as a proxy for risk aversion) in their evaluations of first-time loan applications than male LOs. However, the findings also suggest that there are no significant differences between the two groups as far as risk aversion when they evaluate additional loan applications. The other variables controlled for (age, tenure, insight, education, and location) did not significantly affect the LOs' risk aversion.

Research limitations/implications – The study might have benefited from the use of complementary data collection approaches. Access to actual assessment and decision-making procedures could have increased the understanding of female and male LOs' attitudes toward risk.

Practical implications – The findings suggest that by the use of female-male LO teams, banks may achieve more balanced assessments of SMEs' loan applications.

Originality/value – To the authors' knowledge, the literature has not explicitly addressed risk aversion among female and male LOs with respect to different types of bank loans. Moreover, the authors investigated risk aversion in the context of standardised assessments procedures used to reduce exposure to credit risk.

Place, publisher, year, edition, pages
Emerald Group Publishing Limited, 2014. Vol. 6, no 2, 121-141 p.
Keyword [en]
Bank Loan, Gender, Loan officer, SME, Sweden
National Category
Business Administration
Identifiers
URN: urn:nbn:se:miun:diva-19620DOI: 10.1108/IJGE-02-2013-0012Scopus ID: 2-s2.0-84902529374OAI: oai:DiVA.org:miun-19620DiVA: diva2:637109
Available from: 2013-07-16 Created: 2013-07-16 Last updated: 2017-12-06Bibliographically approved
In thesis
1. Bank risk management: How do bank employees deal with risk at the strategic and operational levels?
Open this publication in new window or tab >>Bank risk management: How do bank employees deal with risk at the strategic and operational levels?
2017 (English)Doctoral thesis, comprehensive summary (Other academic)
Place, publisher, year, edition, pages
Sundsvall: Mid Sweden University, 2017. 140 p.
Series
Mid Sweden University doctoral thesis, ISSN 1652-893X ; 263
Keyword
Banks, Bank employees, Bank lending, Risk management, the Basel Accords, Global financial crisis, Banker, Bankanställda, Basel-standarden, den globala finanskrisen, Kreditgivning, Riskhantering
National Category
Business Administration
Identifiers
urn:nbn:se:miun:diva-30734 (URN)978-91-88527-16-5 (ISBN)
Public defence
2017-06-05, M102, Holmgatan 10, Sundsvall, 13:15 (Swedish)
Opponent
Supervisors
Note

Vid tidpunkten för disputationen var följande delarbete opublicerat: delarbete 3 accepterat.

At the time of the doctoral defence the following paper was unpublished: paper 3 accepted.

Available from: 2017-05-17 Created: 2017-05-16 Last updated: 2017-11-29Bibliographically approved

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