Racial Minority Lending Trends at the Farm Service Agency

Cesar Escalante (), James Epperson, Forrest E. Stegelin and Rodney L. Brooks

No 19562, 2005 Annual meeting, July 24-27, Providence, RI from American Agricultural Economics Association (New Name 2008: Agricultural and Applied Economics Association)

Abstract: A binomial logistic framework is used to determine important linkages between the FSA's decision on each loan application and the applicants financial and demographic attributes. Using data on both rejected and accepted FSA loan applications, empirical results indicate loan approval decisions were not significantly influenced by the borrowers' racial class and that, in contrast to the credit risk assessment standards employed by commercial lenders, the collective influence of more stringent and objective credit scoring measures on FSA loan approval decisions is insignificant.

Keywords: Agricultural; Finance (search for similar items in EconPapers)
Pages: 23
Date: 2005
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Persistent link: https://EconPapers.repec.org/RePEc:ags:aaea05:19562

DOI: 10.22004/ag.econ.19562

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