Are Women More Likely to be Credit Constrained? Evidence from Low-Income Urban Households in the Philippines

Based on survey data for 2002 and 2006, this paper investigates the determinants of credit constraints among women and men in two urban slum communities of Manila in the Philippines. The results show that women are more likely to be credit constrained than men. Rather than wealth, informal lenders s...

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Bibliographic Details
Main Author:	Malapit, Hazel Jean L.
Format:	Journal Article
Language:	en_US
Published:	Taylor and Francis 2013
Subjects:	gender credit constraints intrahousehold allocation bargaining power urban poor
Online Access:	http://hdl.handle.net/10986/13364

id	okr-10986-13364
recordtype	oai_dc
spelling	okr-10986-133642021-04-23T14:03:08Z Are Women More Likely to be Credit Constrained? Evidence from Low-Income Urban Households in the Philippines Malapit, Hazel Jean L. gender credit constraints intrahousehold allocation bargaining power urban poor Based on survey data for 2002 and 2006, this paper investigates the determinants of credit constraints among women and men in two urban slum communities of Manila in the Philippines. The results show that women are more likely to be credit constrained than men. Rather than wealth, informal lenders seem to rely more on reputation and credit history to screen prospective borrowers, and the consequences of repayment delays or defaults are more severe for women than for men. These findings provide empirical support for women-targeted credit interventions in urban poor contexts, particularly those that enable women to build and capitalize on good credit histories. 2013-05-10T18:08:07Z 2013-05-10T18:08:07Z 2012-09-04 Journal Article Feminist Economics 1354-5701 http://hdl.handle.net/10986/13364 en_US Feminist Economics;18(3) CC BY-NC-ND 3.0 IGO http://creativecommons.org/licenses/by-nc-nd/3.0/igo/ World Bank Taylor and Francis Publications & Research :: Journal Article Publications & Research Philippines
repository_type	Digital Repository
institution_category	Foreign Institution
institution	Digital Repositories
building	World Bank Open Knowledge Repository
collection	World Bank
language	en_US
topic	gender credit constraints intrahousehold allocation bargaining power urban poor
spellingShingle	gender credit constraints intrahousehold allocation bargaining power urban poor Malapit, Hazel Jean L. Are Women More Likely to be Credit Constrained? Evidence from Low-Income Urban Households in the Philippines
geographic_facet	Philippines
relation	Feminist Economics;18(3)
description	Based on survey data for 2002 and 2006, this paper investigates the determinants of credit constraints among women and men in two urban slum communities of Manila in the Philippines. The results show that women are more likely to be credit constrained than men. Rather than wealth, informal lenders seem to rely more on reputation and credit history to screen prospective borrowers, and the consequences of repayment delays or defaults are more severe for women than for men. These findings provide empirical support for women-targeted credit interventions in urban poor contexts, particularly those that enable women to build and capitalize on good credit histories.
format	Journal Article
author	Malapit, Hazel Jean L.
author_facet	Malapit, Hazel Jean L.
author_sort	Malapit, Hazel Jean L.
title	Are Women More Likely to be Credit Constrained? Evidence from Low-Income Urban Households in the Philippines
title_short	Are Women More Likely to be Credit Constrained? Evidence from Low-Income Urban Households in the Philippines
title_full	Are Women More Likely to be Credit Constrained? Evidence from Low-Income Urban Households in the Philippines
title_fullStr	Are Women More Likely to be Credit Constrained? Evidence from Low-Income Urban Households in the Philippines
title_full_unstemmed	Are Women More Likely to be Credit Constrained? Evidence from Low-Income Urban Households in the Philippines
title_sort	are women more likely to be credit constrained? evidence from low-income urban households in the philippines
publisher	Taylor and Francis
publishDate	2013
url	http://hdl.handle.net/10986/13364
_version_	1764423315325190144

Are Women More Likely to be Credit Constrained? Evidence from Low-Income Urban Households in the Philippines

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