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Access to Credit by Small Businesses: How Relevant Are Race, Ethnicity, and Gender?

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This paper employs data from the 1998 and 2003 Survey of Small Business Finances to analyze whether, after controlling for observable factors that influence loan decisions, there is a significant difference in the loan approval rate and the interest rate charged on approved loans for businesses owned by minority or white females and firms owned by white males.

Document Type: Research Article


Publication date: 2012-05-01

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