Skip to main content


Buy Article:

$43.00 plus tax (Refund Policy)

ABSTRACT:  Case studies in select large cities have found that fringe services, including payday lenders, check cashers, pawn brokers, and money transmittal companies are more geographically accessible to predominantly minority neighborhoods while traditional banks are more accessible to white neighborhoods. However, many analyses are bivariate rather than multivariate and do not disentangle the influence of neighborhood socioeconomic status from that of race. Furthermore, the fringe services industry contends that market factors, such as zoning, arterials, population base, and commercial activity influence location. This study employs geographic information systems (GIS) and multiple regression to untangle the spatial relationship between minority communities and traditional and fringe banks in four small‐to‐moderate‐sized metropolitan areas. We find that, though market factors are indeed powerful determinants of fringe bank location, there are nonetheless persistent ethnic effects in two of the four cities and these effects cannot be attributed to factors correlated with a large minority presence.
No References
No Citations
No Supplementary Data
No Article Media
No Metrics

Document Type: Research Article

Affiliations: University of Washington

Publication date: 01 August 2011

  • Access Key
  • Free content
  • Partial Free content
  • New content
  • Open access content
  • Partial Open access content
  • Subscribed content
  • Partial Subscribed content
  • Free trial content
Cookie Policy
Cookie Policy
Ingenta Connect website makes use of cookies so as to keep track of data that you have filled in. I am Happy with this Find out more