External Economics Seminar - Ralph De Haas

27-09-2019 from 11:30 to 13:00
Faculty Council Room, campus Tweekerken, Tweekerkenstraat 2, 2nd floor
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Dear Colleagues,

We are pleased to invite you to the External Economics Seminar by Ralph De Haas (Director of Research at the European Bank for Reconstruction and Development)
“Gender Discrimination in Small Business Lending. Evidence from a Lab-in-the-Field Experiment in Turkey”

The seminar will be held on Friday, 27 September 2019 between 11h30 and 13h in Faculty Council Room, Tweekerkenstraat 2, 2nd floor.

After the seminar a sandwich lunch will be provided for participants. Please register by Monday 23 September 2019 at https://doodle.com/poll/m4emcbxw9fcdv2tc


We test for the presence of gender discrimination in small business lending through a lab-in-the-field experiment with 334 Turkish loan officers. Each officer reviews multiple loan applications in which we randomize the applicant’s gender. While unconditional approval rates are the same for male and female applicants, we detect a more subtle form of discrimination. Loan officers are 30 percent more likely to make loan approval conditional on the presence of a guarantor when we present an application as coming from a female instead of a male entrepreneur. This gender discrimination is concentrated among young, inexperienced, and gender-biased loan officers. Discrimination is also most pronounced for loans that perform well in real life, making it costly to the bank. Experimental variation in the available applicant information does not impact lending decisions, suggesting that the nature of discrimination is implicit rather than statistical.

Ralph De Haas will be available for a personal contact. If you would like to fix a personal appointment (between 10h and 11h30), you can contact Victoria Purice ( ).

External Economics Seminars are expected to be attended by all PhD students of the Department of Economics (as part of the PhD training) and is strongly recommended to other members of the department (ZAP and postdocs).

Kind regards,

Economics Seminars Team