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Competition, Small Business Financing, and Discrimination: Evidence from a New Survey

  • Ken S. Cavalluzzo

    (Georgetown University)

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    We analyze credit applications, loan denials, and interest rates paid by small businesses across owner gender, race, and ethnicity. In addition, we examine data from owners who said they did not apply for credit because they believed that their applications would have been turned down. After controlling for a rich set of explanatory variables, including personal and business credit histories, substantial differences in denial rates between firms owned by African Americans and white males remain. Moreover, consistent with Becker's classic theories (1957), we find evidence that increases in competition in the firm's local banking market reduces these differences.

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    File URL: http://www.journals.uchicago.edu/cgi-bin/resolve?JB750404
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    Article provided by University of Chicago Press in its journal Journal of Business.

    Volume (Year): 75 (2002)
    Issue (Month): 4 (October)
    Pages: 641-680

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    Handle: RePEc:ucp:jnlbus:v:75:y:2002:i:4:p:641-680
    Contact details of provider: Web page: http://www.journals.uchicago.edu/JB/

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