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Female and male risk aversion: An empirical study of loan officers’ assessment of SME loan applications
Mittuniversitetet, Fakulteten för humanvetenskap, Avdelningen för ekonomivetenskap och juridik.
Mittuniversitetet, Fakulteten för humanvetenskap, Avdelningen för ekonomivetenskap och juridik.
Mittuniversitetet, Fakulteten för humanvetenskap, Avdelningen för ekonomivetenskap och juridik.ORCID-id: 0000-0001-5731-0489
2014 (engelsk)Inngår i: International Journal of Gender and Entrepreneurship, ISSN 1756-6266, E-ISSN 1756-6274, Vol. 6, nr 2, s. 121-141Artikkel i tidsskrift (Fagfellevurdert) 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.

sted, utgiver, år, opplag, sider
Emerald Group Publishing Limited, 2014. Vol. 6, nr 2, s. 121-141
Emneord [en]
Bank Loan, Gender, Loan officer, SME, Sweden
HSV kategori
Identifikatorer
URN: urn:nbn:se:miun:diva-19620DOI: 10.1108/IJGE-02-2013-0012Scopus ID: 2-s2.0-84902529374OAI: oai:DiVA.org:miun-19620DiVA, id: diva2:637109
Tilgjengelig fra: 2013-07-16 Laget: 2013-07-16 Sist oppdatert: 2017-12-06bibliografisk kontrollert
Inngår i avhandling
1. Bank risk management: How do bank employees deal with risk at the strategic and operational levels?
Åpne denne publikasjonen i ny fane eller vindu >>Bank risk management: How do bank employees deal with risk at the strategic and operational levels?
2017 (engelsk)Doktoravhandling, med artikler (Annet vitenskapelig)
sted, utgiver, år, opplag, sider
Sundsvall: Mid Sweden University, 2017. s. 140
Serie
Mid Sweden University doctoral thesis, ISSN 1652-893X ; 263
Emneord
Banks, Bank employees, Bank lending, Risk management, the Basel Accords, Global financial crisis, Banker, Bankanställda, Basel-standarden, den globala finanskrisen, Kreditgivning, Riskhantering
HSV kategori
Identifikatorer
urn:nbn:se:miun:diva-30734 (URN)978-91-88527-16-5 (ISBN)
Disputas
2017-06-05, M102, Holmgatan 10, Sundsvall, 13:15 (svensk)
Opponent
Veileder
Merknad

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.

Tilgjengelig fra: 2017-05-17 Laget: 2017-05-16 Sist oppdatert: 2017-11-29bibliografisk kontrollert

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