Download or read book Availability of Credit to Minority owned Small Businesses written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation, and Deposit Insurance and published by . This book was released on 1994 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt: Distributed to some depository libraries in microfiche.

Download or read book Availability of Credit to Minority Owned Small Businesses written by United States Congress and published by Forgotten Books. This book was released on 2016-09-26 with total page 234 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excerpt from Availability of Credit to Minority-Owned Small Businesses: Hearing Before the Subcommittee on Financial Institutions Supervision, Regulation and Deposit Insurance of the Committee on Banking, Finance and Urban Affairs, House of Representatives; One Hundred Third Congress, Second Session; October 6, 1994 In conclusion, the fdic is very mindful of our responsibility to promote fair and equal opportunity for all creditworthy borrowers to have access to adequate credit at reasonable terms. We believe it is our duty to help financial institutions meet the credit needs of their entire communities, including the credit needs of minority owned small businesses, consistent with safe and sound lending principles. We believe the revised cra proposal is consistent with these objectives. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.

Download or read book Availability of Credit to Minority Owned Small Businesses written by United States. Congress. House. Committe and published by Hardpress Publishing. This book was released on 2013-12 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt: Unlike some other reproductions of classic texts (1) We have not used OCR(Optical Character Recognition), as this leads to bad quality books with introduced typos. (2) In books where there are images such as portraits, maps, sketches etc We have endeavoured to keep the quality of these images, so they represent accurately the original artefact. Although occasionally there may be certain imperfections with these old texts, we feel they deserve to be made available for future generations to enjoy.

Download or read book Availability of Credit to Small and Minority Owned Businesses written by Rebel A. Cole and published by . This book was released on 2009 with total page 37 pages. Available in PDF, EPUB and Kindle. Book excerpt: This article analyzes factors influencing the decisions of prospective lenders to extend credit to small and minority-owned businesses. Using data from a government survey of small businesses, the analysis reveals that prospective lenders (primarily commercial banks) are four times more likely to deny credit to firms owned by African-Americans than to firms owned by Non-Hispanic whites, and are twice as likely to deny credit to firms owned by Asian-Americans than to firms owned by Non-Hispanic whites. These differences in denial rates remain both statistically and economically significant, even after controlling for differences in the type and size of the prospective loan; in the age, experience, education, and creditworthiness of the firm's primary owner; in the age, size, capital structure, profitability, organizational form, creditworthiness, and industry of the firm; and in the types and length of pre-existing relationships between the firm and its prospective lender. Interestingly, these differences in denial rates are significant only when the prospective lender is a commercial bank.

Download or read book Availability of Credit to Minority owned Small Businesses written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation, and Deposit Insurance and published by . This book was released on 1994 with total page 222 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Use and Availability of Credit to Minority owned Rural Small Businesses in South Carolina written by Ashok K. Singh and published by . This book was released on 1987 with total page 53 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Building Minority Business Enterprise written by United States. Office of Minority Business Enterprise and published by . This book was released on 1971 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Availability of Credit to Minority owned Small Businesses written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation, and Deposit Insurance and published by . This book was released on 1994 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt: Distributed to some depository libraries in microfiche.

Download or read book Building Minority Enterprise written by United States. Office of Minority Business Enterprise and published by . This book was released on 1970 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Discrimination in the Small Business Credit Market written by David G. Blanchflower and published by . This book was released on 1998 with total page 45 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper uses data from the 1993 National Survey of Small Business Finances to determine the extent to which minority-owned small businesses face constraints in the credit market beyond those faced by white-owned small businesses. First, we present qualitative evidence indicating that black- and white-owned firms report similar concerns about the factors that may affect their businesses except that blacks are far more likely to report problems with credit availability. Second, we conduct an econometric analysis of loan denial probabilities by race and find that black-owned small businesses are almost three times more likely to have a loan application denied. Even after controlling for the differences in credit-worthiness and other factors that exist between black- and white-owned firms, blacks are still about twice as likely to be denied credit. A series of specification checks indicates that this gap is unlikely to be largely attributed to omitted variable bias. Third, we conduct a similar analysis regarding interest rates charged to approved loans and find black-owned firms pay higher interest rates as well. Finally, even these results are likely to understate differences in credit access because many potential black-owned firms are not in operation due to the lack of credit and those in business may be too afraid to apply. These results indicate that the racial disparity in credit availability is likely caused by discrimination

Download or read book Access to Credit in distressed Communities written by United States. Congress. House. Committee on Small Business. Subcommittee on Minority Enterprise, Finance, and Urban Development and published by . This book was released on 1994 with total page 376 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Credit Availability for Small Businesses Real Estate Housing and Consumers written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Economic Growth and Credit Formation and published by . This book was released on 1994 with total page 166 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Minority Business and Its Contributions to the U S Economy written by United States. Congress. Senate. Committee on Small Business and published by . This book was released on 1982 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Availability of Capital and Federal Procurement Opportunities to Minority owned Businesses written by United States. Congress. House. Committee on Small Business and published by . This book was released on 2003 with total page 104 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Securitization of Small Business Loans written by Christopher Beshouri and published by . This book was released on 1994 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Report on Small Business Credit Availability written by Rosa Maria Moller and published by . This book was released on 1996 with total page 84 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Small and Minority Business in the Decade of the 80 s written by United States. Congress. House. Committee on Small Business and published by . This book was released on 1981 with total page 446 pages. Available in PDF, EPUB and Kindle. Book excerpt: