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• W2067494633 abstract "In this paper, we use the Blinder–Oaxaca method for nonlinear models to decompose observed differences in credit rationing of small businesses between white- and minority-owned firms in the USA. We utilize a representative dataset of small businesses from the Survey of Small Business Finances between 1987 and 2003. Our results show that minority owners, on average, have about a 24 percentage points higher loan denial rate than white-owned firms and about three quarters of the difference is attributed to discrimination in bank lending. Although the difference in the probability of getting a smaller loan than requested is only 5 percentage points, this difference is almost entirely attributed to discrimination." @default.
• W2067494633 created "2016-06-24" @default.
• W2067494633 creator A5036682881 @default.
• W2067494633 creator A5048128069 @default.
• W2067494633 date "2013-12-01" @default.
• W2067494633 modified "2023-09-25" @default.
• W2067494633 title "Decomposing Racial and Ethnic Differences in Small Business Lending: Evidence of Discrimination" @default.
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• W2067494633 doi "https://doi.org/10.1080/00346764.2012.761751" @default.
• W2067494633 hasPublicationYear "2013" @default.
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