Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/301331 
Year of Publication: 
2024
Series/Report no.: 
CESifo Working Paper No. 11205
Publisher: 
CESifo GmbH, Munich
Abstract: 
We analyze gender bias in entrepreneurship finance. Access to finance is crucial for entrepreneurial success, yet women are particularly constrained. We structurally unpack whether loan officers evaluate business ideas and implementation constraints differently for male and female entrepreneurs, for both individual entrepreneurs and for entrepreneurial teams. In a lab-in-the-field experiment with Ugandan loan officers, we document gender bias against individual female entrepreneurs, but no bias for entrepreneurial teams. The bias is not driven by animus but by differential beliefs about women’s implementation constraints in running a business. Policies aimed at team formation and alleviating family-related constraints may help to promote equal access to finance, ultimately stimulating growth.
Subjects: 
gender bias
access to finance
entrepreneurship finance
business evaluations
teams
lab-in-the-field experiment
JEL: 
C90
D91
G21
J16
L25
L26
O16
Document Type: 
Working Paper
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