Loan Officers’ Gender and Microfinance Repayment Rates

Marrit van den Berg, Robert Lensink, Roselia Servin*

*Corresponding author for this work

Research output: Contribution to journalArticleAcademicpeer-review

27 Citations (Scopus)


This study examines the impact of loan officer characteristics on repayment rates of microfinance borrowers in Mexico applying multilevel analyses, with special attention to the impact of the gender of the loan officer on default rates. The results strongly suggest that loan officers play a crucial role in improving repayment rates in microfinance and that male loan officers are better able to induce borrowers to repay than female loan officers. This may be because men exert authority over women and face fewer problems working late, travelling through unsafe places, and combining a position as counsellor with enforcing repayment.

Original languageEnglish
Pages (from-to)1241-1254
JournalJournal of Development Studies
Issue number9
Publication statusPublished - 2015


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