This research addresses empirically the impact of gender on the relationship between bank lenders and small business borrowers. Both quantitative and qualitative aspects of the relationship are considered. Data are drawn from a national random sample of 1,393 bank loan files. Terms of lending across gender are examined, controlling for covariates such as size and sector. Findings that borrower attributes and terms of lending do not vary by gender of borrower are consistent with the null hypothesis of no discrimination.

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Journal Canadian Journal of Administrative Sciences
Haines Jr., G.H., Orser, B.J., & Riding, A.L. (1999). Myths and realities: An empirical study of banks and the gender of small business clients. Canadian Journal of Administrative Sciences, 16(4), 291–307.