Does corruption influence the self-restraint attitude of women-led SMEs towards bank lending?
In this article we address the question of whether the perceived level of corruption in a country may influence women’s inclination in self-refraining from applying for bank loans. Using a sample of 60,058 observations—drawn from the European Central Bank- Survey on the Access to Finance of Enterpri...
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| Format: | Article |
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Oxford University Press
2018
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| Online Access: | https://eprints.nottingham.ac.uk/49116/ |
| _version_ | 1848797925539315712 |
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| author | Galli, Emma Mascia, Danilo Valerio Rossi, Stefania Patrizia Sonia |
| author_facet | Galli, Emma Mascia, Danilo Valerio Rossi, Stefania Patrizia Sonia |
| author_sort | Galli, Emma |
| building | Nottingham Research Data Repository |
| collection | Online Access |
| description | In this article we address the question of whether the perceived level of corruption in a country may influence women’s inclination in self-refraining from applying for bank loans. Using a sample of 60,058 observations—drawn from the European Central Bank- Survey on the Access to Finance of Enterprises (ECB-SAFE)—related to small- and medium- sized enterprises (SMEs) chartered in 11 Euro-area countries during the period 2009–2014, we first investigate whether female-led businesses are more likely, than male-led ones, to refrain from applying for bank credit. Finally, we assess whether corruption actually matters in the women’s decision not to relying on the bank-lending channel. Our results—robust to various model specifications—highlight that women-led SMEs face a higher probability to self-refrain from applying for loans vis-à-vis their male counterparts. In addition, although corruption appears strongly correlated to the self-restraint attitudes of firms, our empirical analysis reveals that women-led SMEs generally tend to refrain from applying for loans, more than men, regardless of the quality of the surrounding environment. |
| first_indexed | 2025-11-14T20:11:37Z |
| format | Article |
| id | nottingham-49116 |
| institution | University of Nottingham Malaysia Campus |
| institution_category | Local University |
| last_indexed | 2025-11-14T20:11:37Z |
| publishDate | 2018 |
| publisher | Oxford University Press |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | nottingham-491162020-05-04T19:25:12Z https://eprints.nottingham.ac.uk/49116/ Does corruption influence the self-restraint attitude of women-led SMEs towards bank lending? Galli, Emma Mascia, Danilo Valerio Rossi, Stefania Patrizia Sonia In this article we address the question of whether the perceived level of corruption in a country may influence women’s inclination in self-refraining from applying for bank loans. Using a sample of 60,058 observations—drawn from the European Central Bank- Survey on the Access to Finance of Enterprises (ECB-SAFE)—related to small- and medium- sized enterprises (SMEs) chartered in 11 Euro-area countries during the period 2009–2014, we first investigate whether female-led businesses are more likely, than male-led ones, to refrain from applying for bank credit. Finally, we assess whether corruption actually matters in the women’s decision not to relying on the bank-lending channel. Our results—robust to various model specifications—highlight that women-led SMEs face a higher probability to self-refrain from applying for loans vis-à-vis their male counterparts. In addition, although corruption appears strongly correlated to the self-restraint attitudes of firms, our empirical analysis reveals that women-led SMEs generally tend to refrain from applying for loans, more than men, regardless of the quality of the surrounding environment. Oxford University Press 2018-01-03 Article PeerReviewed Galli, Emma, Mascia, Danilo Valerio and Rossi, Stefania Patrizia Sonia (2018) Does corruption influence the self-restraint attitude of women-led SMEs towards bank lending? CESifo Economic Studies . ISSN 1610-241X https://academic.oup.com/cesifo/advance-article/doi/10.1093/cesifo/ifx021/4782526 doi:10.1093/cesifo/ifx021 doi:10.1093/cesifo/ifx021 |
| spellingShingle | Galli, Emma Mascia, Danilo Valerio Rossi, Stefania Patrizia Sonia Does corruption influence the self-restraint attitude of women-led SMEs towards bank lending? |
| title | Does corruption influence the self-restraint attitude of women-led SMEs towards bank lending? |
| title_full | Does corruption influence the self-restraint attitude of women-led SMEs towards bank lending? |
| title_fullStr | Does corruption influence the self-restraint attitude of women-led SMEs towards bank lending? |
| title_full_unstemmed | Does corruption influence the self-restraint attitude of women-led SMEs towards bank lending? |
| title_short | Does corruption influence the self-restraint attitude of women-led SMEs towards bank lending? |
| title_sort | does corruption influence the self-restraint attitude of women-led smes towards bank lending? |
| url | https://eprints.nottingham.ac.uk/49116/ https://eprints.nottingham.ac.uk/49116/ https://eprints.nottingham.ac.uk/49116/ |