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The Impact of Bank Expansion on Self-Employed Business Owners: Evidence from US States

Anindo Sarker () and Bulent Unel ()

Departmental Working Papers from Department of Economics, Louisiana State University

Abstract: We use state-level bank branch deregulations to study the impact of changes in credit on entrepreneurship at the individual-owner level. We classify self-employed individuals into incorporated and unincorporated business owners. Exploiting the variation in the staggered timing of banking deregulations, we find that branching reforms affected the entry and exit rates of the incorporated self-employed. Further, the branching reforms encouraged unincorporated businesses to incorporate. Finally, the effects of reforms are different across groups based on gender, race, and age. We find stronger effects on incorporated business creation among minorities, and higher exit rates among the young and minorities.

New Economics Papers: this item is included in nep-ban, nep-cse, nep-ent and nep-sbm
Date: 2017-06
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