Gender, Credit Risk and Performance in Sub-Saharan African Microfinance Institutions
Why this work is in the frame
A frame that forgets how it found something cannot be audited. These are the routes that admitted this work.
Bibliographic record
Abstract
The involvement of women in business in developing countries has become a subject of great interest for many researchers. In particular, female involvement in microfinance institutions has received special attention from governments and development institutions given its potential impact on poverty alleviation. This paper assesses the effect of gender on the credit risk and performance of microfinance institutions in sub-Saharan Africa. A sample of 43 microfinance institutions from 19 sub-Saharan African countries was selected and data was collected over the period 2010–2016. Seemingly unrelated regressions (SURs) were performed to examine how gender affects the credit risk and performance of microfinance institutions. The findings do not show any significant impact of female loan officers on credit risk, financial performance or social performance. Thus, all else being equal in the countries analyzed, female loan officers do not impact the credit risk and performance differently compared to male credit officers. The contribution of this paper is to shed light on the debate on the impact of gender on the performance of microfinance institutions.
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Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.000 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.001 | 0.000 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.001 | 0.000 |
| Scholarly communication | 0.000 | 0.000 |
| Open science | 0.000 | 0.000 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.000 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from it