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

Elizabeth Asiedu, James A. Freeman and Akwasi Nti-Addae

American Economic Review, 2012, vol. 102, issue 3, 532-37

Abstract: 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.

Date: 2012
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