The Female Superiority in Loan Repayment Hypothesis: Is it Valid in Ghana?

Abstract

The paper subjects the female superiority in loan repayment hypothesis to empirical scrutiny with data from the microfinance industry in Ghana. Using binary logistic regression, our data provide evidence that females are more likely to default on their loans than males which presupposes that males are rather better borrowers. The paper, therefore, submits that the female superiority in loan repayment hypothesis may not be valid in Ghana.