Credit Risk Assessment and Racial Minority Lending at the Farm Service Agency
The nature of credit risk assessment and basis of loan approval decisions of the Farm Service Agency are analyzed in the aftermath of the black farmersâ€™ 1997 class action suit against the U.S. Department of Agriculture. This study did not uncover convincing evidence of racial discrimination against nonwhite borrowers under a binomial logistic framework based on the probability of a loan applicationâ€™s approval. Moreover, the collective use of more stringent and objective credit-scoring measures usually employed by commercial lenders is less evident in the Farm Service Agencyâ€™s evaluation of loan applications.
Volume (Year): 38 (2006)
Issue (Month): 01 (April)
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- Ellinger, Paul N. & Gustafson, Cole R. & Hanson, Gregory D. & LaDue, Eddy L. & Barry, Peter J. & Splett, Nate & Hanson, Steven D., 1991. "Credit Evaluation Procedures at Agricultural Banks," Proceedings: 1991 Regional Committee NC-161, September 23-24, 1991, St. Louis, Missouri 130939, Regional Research Committee NC-1014: Agricultural and Rural Finance Markets in Transition.
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