PIERI-12883 Barriers limiting access to financial services for micro and small entrepreneurs in Bolivia: A randomized lab-field experiment on institutional ethnic discriminatory practices

Abstract

A field experiment was performed in a controlled laboratory setting to evaluate whether credit officers reject micro-loan applications based on the ethnicity/gender of potential borrowers. Point estimates of a mixed-effects logistic regression suggest that, compared to non-indigenous men, non-indigenous women have two times more chance of loan approval, and indigenous women have 1.5 more chance of loan approval. The interval results regarding ethnic discrimination are inconclusive, however some evidence of taste-based discrimination in credit lending that was favorable for non-indigenous women was found.

Members

Project leader: Gabriela Aguilera Lizarazu

Project researchers: Rolando Gonzales | Patricia Aranda | Boris A. Luna Acevedo | Andrea Rojas Hosse

Journal publication

Authors	Co-Authors	Title of paper	Title of Economic Review	Bibliographic references
Rolando Gonzales Martínez	Gabriela Aguilera‐Lizarazu, Andrea Rojas‐Hosse, Patricia Aranda Blanco	The interaction effect of gender and ethnicity in loan approval: A Bayesian estimation with data from a laboratory field experiment	Review of Development Economics	Special issue (PEP) Published online (July 2019 - "early view")

Working Papers

	Title	Modified	Size	Comments	Recommendations
	Preference for women but less preference for indigenous women: A lab-field experiment of loan discrimination in a developing economy	2016-12-06	3141.24KB	0	1

Policy Briefs

	Title	Modified	Size	Comments	Recommendations
	Gender and ethnicity-related loan discrimination: A lab-in-the-field experiment in Bolivia	2016-12-15	432.78KB	0	0

Final report

	Title	Modified	Size	Comments	Recommendations
		2016-09-02	766.73KB	0	0

Proposal

	Title	Modified	Size	Comments	Recommendations
		2015-10-30	973.56KB	0	0