[go: up one dir, main page]
IDEAS home Printed from https://ideas.repec.org/a/cup/reveco/v32y2014i01p151-185_00.html
   My bibliography  Save this article

Women And Credit In Peru During The Guano Era. Was There Gender Discrimination In The Mortgage Credit Market Of Peru?

Author

Listed:
  • Zegarra, Luis Felipe
Abstract
This article analyses the role of women and gender discrimination in the mortgage credit market in Peru between 1860 and 1875. Relying on a large sample of notarised loans, the article shows that women participated in the credit market as lenders and borrowers. However, their participation was lower than that of men. In addition, women received smaller loans and paid higher interest rates than men. The evidence suggests that the lower participation of women as borrowers and their smaller loans were largely a consequence of the distribution of collateral. In addition, much of the difference in interest rates resulted from the differences in loan sizes. As women received smaller loans and there were probably fixed costs involved in granting a loan, making a loan to a woman implied a higher average cost. Este artículo analiza el papel de las mujeres y la discriminación por género en el mercado de crédito hipotecario en Perú entre 1860 y 1875. Basándonos en una muestra significativa de préstamos notariales, el artículo muestra que las mujeres participaron en el mercado de crédito como prestamistas y prestatarias. Sin embargo, su participación fue menor que la de los hombres. Adicionalmente, las mujeres recibieron préstamos más pequeños y con mayores tasas de interés que los hombres. La evidencia sugiere que la menor participación de las mujeres como prestatarias y el menor tamaño de sus préstamos se debieron en gran medida a la distribución de colateral. Además, en gran medida las diferencias en tasas de interés se explican por las diferencias en tamaños de los préstamos. En la medida en que las mujeres recibieron préstamos más pequeños y hubo probablemente costos fijos en garantizar un préstamo, prestar dinero a una mujer implicó un mayor costo promedio.

Suggested Citation

  • Zegarra, Luis Felipe, 2014. "Women And Credit In Peru During The Guano Era. Was There Gender Discrimination In The Mortgage Credit Market Of Peru?," Revista de Historia Económica / Journal of Iberian and Latin American Economic History, Cambridge University Press, vol. 32(1), pages 151-185, March.
    • Handle: RePEc:cup:reveco:v:32:y:2014:i:01:p:151-185_00
    as

    Download full text from publisher

    File URL: https://www.cambridge.org/core/product/identifier/S0212610914000020/type/journal_article
    File Function: link to article abstract page
    Download Restriction: no
    ---><---

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Luis Felipe Zegarra, 2015. "Political Instability, Institutions and Private Capital Markets in Lima, Peru," Working Papers 39, Peruvian Economic Association.
    2. Ferdinando Giglio, 2020. "Access to Credit and Women Entrepreneurs: A Systematic Literature Review," European Research Studies Journal, European Research Studies Journal, vol. 0(4), pages 312-335.
    3. Zegarra, Luis Felipe, 2017. "Usury laws and private credit in Lima, Peru. Evidence from notarized records," Explorations in Economic History, Elsevier, vol. 65(C), pages 68-93.
    4. Ferdinando Giglio, 2021. "Access to Credit and Women Entrepreneurs: A Systematic Literature Review," International Journal of Economics and Finance, Canadian Center of Science and Education, vol. 13(10), pages 1-12, September.

    More about this item

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:cup:reveco:v:32:y:2014:i:01:p:151-185_00. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Kirk Stebbing (email available below). General contact details of provider: https://www.cambridge.org/rhe .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.