The credit access gap experienced by minority entrepreneurs has convinced researchers that discrimination is widespread and systematic in the small business credit market. The Small Business Administration's (SBA) guaranteed lending program was designed to respond to this credit-rationing...

This paper makes a fundamental contribution by studying loan-loss provisioning over the credit cycle as three distinct phases. Looking at the three distinct phases of the financial crisis — the pre-crisis period, crisis period, and post-crisis period — is important as loan-loss provisioning...