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American Economic Review: Vol. 102 No. 3 (May 2012)

AER Volume. 102, Issue 3 | Previous ArticleNext Article

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

Article Citation

Asiedu, Elizabeth, James A. Freeman, and Akwasi Nti-Addae. 2012. "Access to Credit by Small Businesses: How Relevant Are Race, Ethnicity, and Gender?." American Economic Review, 102(3): 532-37.

DOI: 10.1257/aer.102.3.532

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.

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Online Appendix (122.47 KB)

Authors

Asiedu, Elizabeth (U KS)
Freeman, James A. (Wheaton College)
Nti-Addae, Akwasi (U KS)

JEL Classifications

G21: Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
J15: Economics of Minorities, Races, and Immigrants; Non-labor Discrimination
J16: Economics of Gender; Non-labor Discrimination
L25: Firm Performance: Size, Diversification, and Scope
G32: Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms