Working Paper
Competition, small business financing, and discrimination: evidence from a new survey
Cavalluzzo, Ken; Wolken, John D.; Cavalluzzo, Linda (1999)
Using data from the 1993 National Survey of Small Business Finances, we examine some of the factors influencing differences in small business credit market experiences across demographic groups. We analyze credit applications, loan denials, and interest rates paid across gender, race and ethnicity of small business owners. In addition, we analyze data gathered from small business owners who said they did not apply for credit because they believed that their application would have been turned down. This set of analyses, in combination with important new information on the personal credit ...
Finance and Economics Discussion Series , Paper 1999-25

Working Paper
Small business loan turndowns, personal wealth and discrimination
Wolken, John D.; Cavalluzzo, Ken (2002)
Using newly available data from the Federal Reserve, we examine the impact of personal wealth on small business loan turndowns across demographic groups. Information on home ownership, home equity, and personal net worth excluding the business owner's home, in combination with data on the personal credit history of the principal owner, the business credit history of the firm, a rich set of additional explanatory variables, and information on the competitiveness of local banking markets, contributes to our understanding of the credit market experiences of small businesses across demographic ...
Finance and Economics Discussion Series , Paper 2002-35

Conference Paper
Competition, small business financing, and discrimination: evidence from a new survey
Cavalluzzo, Ken; Wolken, John D.; Cavalluzzo, Linda (1999)
Proceedings , Paper 757