Executive Summary of Dissertation on Gender, Race, and Credit Rationing of Small Businesses

Posted: 30 Mar 2009

See all articles by Naranchimeg Mijid

Naranchimeg Mijid

Connecticut Center for Innovative Entrepreneurs

Date Written: March 20, 2009

Abstract

Using data from the 2003 Survey of Small Business Finances, this dissertation examines the extent to which credit rationing occurs in the small business credit market in the U.S. Women- and minority-owned businesses are studied to determine whether there is significant difference in their loan denial (type II credit rationing) compared with male and white owners and how this affects their likelihood of applying for a loan. Also, type I credit rationing is examined as well as loan sizes using simultaneous equation model. We find, in general, women and minorities are rationed more than male and white owners.

Keywords: gender, race, credit rationing, small buisness

JEL Classification: G21, J71, L26

Suggested Citation

Mijid, Naranchimeg, Executive Summary of Dissertation on Gender, Race, and Credit Rationing of Small Businesses (March 20, 2009). Available at SSRN: https://ssrn.com/abstract=1365961 or http://dx.doi.org/10.2139/ssrn.1365961

Naranchimeg Mijid (Contact Author)

Connecticut Center for Innovative Entrepreneurs ( email )

185 Main St. Suite 403
New Britain, CT 06051
United States
860-328-2954 (Phone)

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