This study exploits a quasi-random assignment of clients to loan officers using a unique database and survey from a large microfinance bank in Nigeria to show that opposite-sex preferences affect credit demand and supply. We find that clients matched to loan officers of the opposite gender are more likely to receive credit and are more likely to return for an additional loan with the credit lender.
","abstract_html":"<p>This study exploits a quasi-random assignment of clients to loan officers using a unique database and survey from a large microfinance bank in Nigeria to show that opposite-sex preferences affect credit demand and supply. We find that clients matched to loan officers of the opposite gender are more likely to receive credit and are more likely to return for an additional loan with the credit lender.</p>","abstract_has_math":false,"creators":["Adepoju, Kanyinsola"],"institution":null,"degree_name":"Master of Science in International and Development Economics (MSIDEC)","degree_level":"Thesis","degree_discipline":"Economics","degree_department":null,"school":null,"contributors":["Prof Suparna Chakraborty"],"advisors":[],"committee_chairs":[],"committee_members":[],"year":2015,"date_issued":"2015-05-23T07:00:00Z","date_published":"2015-05-23T07:00:00Z","updated_at":"2026-07-24T05:43:04Z","subjects":["gender bias","microlending","group lending","microfinance","credit outcomes","nigeria","Behavioral Economics","Econometrics","Finance","International Economics","Macroeconomics","Other Economics"],"languages":[],"rights":[],"rights_urls":[],"identifier_entries":[]},"links":{"outbound_url":"https://repository.usfca.edu/thes/132","outbound_label":"Repository record","outbound_source":"dc:identifier"},"metadata_groups":[{"id":"people","label":"People","entries":[{"key":"dc:contributor","label":"Contributor","values":["Prof Suparna Chakraborty"]},{"key":"dc:creator","label":"Author","values":["Adepoju, Kanyinsola"]}]},{"id":"academic_context","label":"Academic Context","entries":[{"key":"dc:date.available","label":"Dc Date Available","values":["2015-05-18T07:00:00Z"]},{"key":"thesis:degree_discipline","label":"Discipline","values":["Economics"]},{"key":"thesis:degree_level","label":"Degree Level","values":["Thesis"]},{"key":"thesis:degree_name","label":"Degree Name","values":["Master of Science in International and Development Economics (MSIDEC)"]}]},{"id":"subjects_keywords","label":"Subjects and Keywords","entries":[{"key":"dc:subject","label":"Dc Subject","values":["gender bias","microlending","group lending","microfinance","credit outcomes","nigeria","Behavioral Economics","Econometrics","Finance","International Economics","Macroeconomics","Other Economics"]}]},{"id":"identifiers","label":"Identifiers","entries":[{"key":"dc:identifier","label":"Identifier","values":["https://repository.usfca.edu/thes/132"]}]},{"id":"additional","label":"Additional Metadata","entries":[{"key":"dc:description.abstract","label":"Abstract","values":["This study exploits a quasi-random assignment of clients to loan officers using a unique database and survey from a large microfinance bank in Nigeria to show that opposite-sex preferences affect credit demand and supply. We find that clients matched to loan officers of the opposite gender are more likely to receive credit and are more likely to return for an additional loan with the credit lender.
"]},{"key":"dc:title","label":"Title","values":["Gender Bias in Microlending: Do Opposites Attract?"]}]}],"canonical_facts":{"dc:contributor":["Prof Suparna Chakraborty"],"dc:creator":["Adepoju, Kanyinsola"],"dc:date.available":["2015-05-18T07:00:00Z"],"dc:description.abstract":["This study exploits a quasi-random assignment of clients to loan officers using a unique database and survey from a large microfinance bank in Nigeria to show that opposite-sex preferences affect credit demand and supply. We find that clients matched to loan officers of the opposite gender are more likely to receive credit and are more likely to return for an additional loan with the credit lender.
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