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| Author: | Cavalluzzo, K. S. Cavalluzzo, L. C. Wolken, J. D. |
| Title: | Competition, Small Business Financing, and Discrimination: Evidence from a New Survey |
| Journal: | Journal of Business
2002 : OCT, VOL. 75:4, p. 641-680 |
| Index terms: | COMPETITION SMALL BUSINESS FINANCING DISCRIMINATION |
| Language: | eng |
| Abstract: | The authors analyze credit applications, loan denials, and interest rates paid by small businesses across owner gender, race, and ethnicity. In addition, the authors examine data from owners who said they did not apply for credit because they believed that their applications would have been turned down. After controlling for a rich set of explanatory variables, including personal and business credit histories, substantial differences in denial rates between firms owned by African Americans and white males remain. Moreover, consistent with Becker's classic theories (1957), the authors find evidence that in creases in competition in the firm's local banking market reduces these differences. |
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