In the US and other Western European countries, admitting that risk is assessed based on gender would probably get you served with court papers.  But elsewhere in the world, this is not the case.  While the world of pawn shops and loans on gold jewelry may be a small target area, it is interesting to see a major company in the business seeking out women as customers, because they are a better risk.  These companies make more money when the article if reclaimed than they do if there is a default.   Gold loan company targets women.