Female Small Business Owners in China: discouraged, not discriminated

Mustafa Caglayan, Oleksandr Talavera, Lin Xiong

Research output: Contribution to journalArticlepeer-review

3 Citations (Scopus)


Using a unique small business loan application dataset from a peer-to-peer (P2P) digital loan platform in China, we show that female entrepreneurs are more likely to be discouraged from applying for funds after a failed attempt compared to their male counterparts. Female discour- agement persists at different regional development levels and is prominent among those who need finance for working capital. Although digitization of financial markets has made external funding more accessible to small business owners, disclosing more information during the application process would help those discouraged from posting a new funding application.


  • Peer-to-peer (P2P) lending
  • Small business owners
  • Gender discrimination
  • Discouraged borrowers
  • Repeat rejections
  • Fintech
  • Digitization
  • China


Dive into the research topics of 'Female Small Business Owners in China: discouraged, not discriminated'. Together they form a unique fingerprint.

Cite this