My Research

Papers published in peer-reviewed international journals

Bertrand, J., Perrin, C., (2026), Does Corporate Political Activity (Really) Reduce Discouragement? The Paradox of Women-Led Firms, Forthcoming, Journal of Financial Services Research. (CNRS2 / ABS3)

https://link.springer.com/article/10.1007/s10693-025-00459-9

Bertrand, J., Burietz, A., Maire, S. (2026), To follow or not? The peer-effect and the loan officer decision-making process, Forthcoming, Journal of Financial Services Research. (CNRS2 / ABS3)

https://link.springer.com/article/10.1007/s10693-025-00455-z

Bertrand, J., & El Ghassem E. G. (2026). Financial Inclusion: Does Cultural Heterogeneity Matter?, Kyklos, 79(2), 500-518. (CNSR2 / ABS2)

https://onlinelibrary.wiley.com/doi/10.1111/kykl.70042?af=R

Bertrand, J., Burietz, A., Klein, PO. (2025), Trust in Banks: Fostering (Naïve) Firm-Bank Relationships. Journal of Economic Behavior and Organization, 242, 107431. (CNRS2 / ABS3)

https://www.sciencedirect.com/science/article/pii/S0167268126000193

Bertrand, J., Febo, V., (2026), Intra-cultural variation in individualism and credit discouragement, Economics Letters, 259, pp. 112796. (CNRS2 / ABS3)

https://www.sciencedirect.com/science/article/abs/pii/S0165176525006330

Bertrand, J., Broihanne, M. H., Orkut, H., & Weill, L. (2025), Neighbors matter for risk tolerance. The European Journal of Finance, 31(10), pp. 1225–1244. (CNRS2 / ABS3)

https://www.tandfonline.com/doi/full/10.1080/1351847X.2025.2473368?af=R

Bertrand, J., & Perrin, C. (2025). Microfinance et autonomisation des femmes: opportunités et limites. Revue d'économie financière, 157(1), pp. 155-163.

https://shs.cairn.info/revue-d-economie-financiere-2025-1-page-155?lang=fr

Bertrand, J., Klein, PO., Pasiouras, F. (2024), National culture of secrecy and firms’ access to credit, Journal of Banking and Finance, 168, pp. 107277. (CNRS2 / ABS3)

https://www.sciencedirect.com/science/article/abs/pii/S0378426624001912

Perrin, C., Bertrand, J., Klein, PO. (2023), Women Self-Perception and Access to Credit: The Power of Role Models, Finance Research Letters, 58(B), pp. 104426. (CNRS3 / ABS2)

https://www.sciencedirect.com/science/article/abs/pii/S1544612323007985

Bertrand J., Klein P.-O., Delanghe M., (2023), Does Relationship Lending Help Firms to Ask for Credit? European Cross-country Evidence, Economic Modelling, 124, pp. 106303. (CNRS2 / ABS2)

https://www.sciencedirect.com/science/article/abs/pii/S0264999323001153

Bertrand, J., Burietz, A. (2023), (Loan) Price and (Loan Officer) Prejudice, Journal of Economic Behavior and Organization, 210, pp. 26-42. (CNRS2 / ABS3)

https://www.sciencedirect.com/science/article/abs/pii/S0167268123001129

Bertrand, J., Weill, L. (2023), Too Sunny to Borrow: Sunshine and Borrower Discouragement, Research in International Business and Finance, 65, pp. 101988. (CNRS3 / ABS2)

https://www.sciencedirect.com/science/article/abs/pii/S0275531923001149

Bertrand J., Burietz A., Perrin C., (2022), Just the two of us, we can(’t) make it if we try: Owner-CEO gender and discouragement, Economics Letters, 216(0), pp. 110596. (CNRS2 / ABS3)

https://www.sciencedirect.com/science/article/abs/pii/S0165176522001781

Bertrand J., Klein P.-O., Soula J.-L., (2022), Liquidity Creation and Trust Environment, Journal of Financial Services Research, 62(0), pp. 201-232. (CNRS2 / ABS3)

https://link.springer.com/article/10.1007/s10693-021-00353-0

Bertrand J., Mazza P., (2022), Borrowers’ Discouragement and Creditor Information, International Review of Law and Economics, 72, pp. 106098. (CNRS1 / ABS2)

https://www.sciencedirect.com/science/article/abs/pii/S0144818822000540

Bertrand J., Murro P., (2022), Firm–bank “odd couples” and trade credit: Evidence from Italian small- and medium-sized enterprises, Economic Modelling, 111, pp. 105829. (CNRS2 / ABS2)

https://www.sciencedirect.com/science/article/abs/pii/S026499932200075X

Bertrand J., Perrin C., (2022), Girls Just Wanna Have Funds? The Effect of Women-Friendly Legislation on Women-Led Firms’ Access to Credit, International Review of Law and Economics, 72, pp. 106101. (CNRS1 / ABS2)

https://www.sciencedirect.com/science/article/abs/pii/S0144818822000576

Bertrand J., Weill L., (2022), In December Days Are Shorter but Loans Are Cheaper, Economic Inquiry, 60(3), pp. 1335-1356. (CNRS2 / ABS3)

https://onlinelibrary.wiley.com/doi/full/10.1111/ecin.13075

Bertrand J., Weill L., Osei-Tutu F., (2022), Language Gender-Marking and Borrower Discouragement, Economics Letters, 212, pp. 110298. (CNRS2 / ABS3)

https://www.sciencedirect.com/science/article/abs/pii/S0165176522000155

Bertrand J., Burietz A., Stefaniutyn de Brébisson H., (2021), Why choosing IFRS? Benefits of voluntary adoption by European private companies, International Review of Law and Economics, 65, pp. 105968. (CNRS1 / ABS2)

https://www.sciencedirect.com/science/article/abs/pii/S0144818820301812

Bertrand J., Burietz A., Weill L., (2021), The Month-of-the-Year Effect in Corporate Lending, Finance Research Letters, 43, pp. 102014. (CNRS3 / ABS2)

https://www.sciencedirect.com/science/article/abs/pii/S1544612321000957

Bertrand J., Klein P.-O., (2021), Creditor Information Registries and Relationship Lending, International Review of Law and Economics, 65, pp. 105966. (CNRS1 / ABS2)

https://www.sciencedirect.com/science/article/abs/pii/S0144818820301794

Bertrand J., Weill L., (2021), Do Algorithms Discriminate Against African Americans in Lending?, Economic Modelling, 104, pp. 105619. (CNRS2 / ABS2)

https://www.sciencedirect.com/science/article/abs/pii/S026499932100208X

Bertrand J., Statnik J.-C., (2018), Impact of Banking Competition on the Use of Soft Information, Management International, 23(2), pp. 127-146. (CNRS3 / ABS2)

https://www.erudit.org/en/journals/mi/2019-v23-n2-mi04616/1060036ar.pdf

Papers in progress

Papers submitted

Anastasiou, D., Bertrand, J., Klein, PO., Pasiouras, F. Populism and access to credit. Submitted to JCF

Bertrand, J., Orkut, H., Perrin, C. Women, Cultural Tightness and access to credit. Submitted to ETP

Bertrand, J., Dupire, M., Haddad, C. Climate Risk & Access to credit. Submitted to IRFA.

Bertrand, J., El Ghassem, E., Perrin, C. To Trust or Not to Trust? Financial Inclusion and Heterogeneity of Trust in Developing Countries. Submitted to JFSR

Bertrand, J., Burietz, A., El Ghassem, E. Global Banking Crises and the Fragmentation of Institutional Trust. Submitted to BJM.

Bertrand, J., Perrin, C., Weill, L. Are Left-Handed People More Left-Wing? Submitted to Kyklos

Bertrand, J., Leon, F., Perrin, C. Loans, Link and Leadership: Political Change and Borrower Discouragement in Connected Firms. Submitted to BJM

Working papers

Bertrand, J., Febo, V., Perrin, C. Women, Risk-Taking and Laws.

Bertrand, J., Bruneel, J., Mazza, P. Forgiveness and Entrepreneurship.

Bertrand, J., Haddad, C. Discouragement, Patent & Innovation

Reviewer for peer-reviewed international journals

Applied Economics - Annals of Public and Cooperative Economics - Borsa Istanbul Review - British Journal of Management - Economic Modelling - Entrepreneurship Theory and Practice - Finance Contrôle Stratégie - Finance - Finance Research Letter - International Finance - International Review of Economics and Finance - International Review of Financial Analysis - Journal of Business Ethics - Journal of Banking and Finance - Journal of Business Venturing - Journal of Economic Behavior and Organization - Journal of International Financial Markets, Institutions & Money - Review of Development Economics - Revue Economique.

My PhD supervisions

El Ghassem El Ghassem - Intitulé de thèse "De l'hétérogénéité culturelle à la fragmentation de la confiance : implications pour l'inclusion financière". Soutenance prévue le 17 juin 2026

Anatole Reffet, en cosupervision avec Paolo MAZZA - Intitulé de thèse "Comportement des traders haute-fréquence".

Shemair Williams, en cosupervision avec Christine ABDALLA MIKHAEIL - Intitulé de thèse