PMMA-12576 Female Entrepreneurship, Access to Credit, and Firms' Performance in Senegal


Despite an increase in the share of female-owned existing and new start-up firms in Senegal, there is still a wide belief that female entrepreneurs are discriminated against in the credit market. This paper empirically investigates such gender-based discrimination, and the extent to which it might be translated into lower efficiency. Using firm-level data and a methodological approach that consists of the data envelopment analysis, an endogenous switching regression and a propensity score matching, the paper finds no evidence to support the common wisdom that women are discriminated in the credit market. In addition, to the extent that they benefit from credit, female reap equal returns from the funds, efficiency-wise. These results do not however call for the abandonment of gender-biased public policies aiming at promoting access to credit and entrepreneurship, but suggest they be grounded on more robust footings such as managers’ education, firms’ ownership, sectoral activities with respect to capital intensity, and geographical locations.


Project leader: Abdoulaye Seck

Project researchers: Fatoumata Lamarana Diallo | Ndeye Khadidiatou Mouhamed DIOP | KARAMOKO CAMARA | Founty Alassane Fall

Scientific mentors: Abdelkrim Araar

Journal publication

Authors Co-Authors Title of paper Title of Economic Review Bibliographic references
Abdoulaye Seck Abdelkrim Araar, Karamoko Camara, Founty Alassane Fall Gender, Access to Credit, and Productivity of Firms in Senegal Journal of African Development


Working Papers

Title Modified Size Comments Recommendations
Female Entrepreneurship, Access to Credit, And Firms: Performance in Senegal 2015-10-26 1597.81KB 0 0

Policy Briefs

Title Modified Size Comments Recommendations
Female entrepreneurship, access to credit and firms' performance in Senegal 2015-12-31 432.47KB 0 0

Final report

No final reports.


Title Modified Size Comments Recommendations
2014-07-25 305.59KB 0 0

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