This paper explores Type 1 credit rationing by gender using data from the 1998 and 2003 Survey of Small Business Finances (SSBF). Type 1 credit rationing occurs when borrowers receive a smaller loan than they requested. We use two measures of Type 1 credit rationing to examine whether it is...

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...

Purpose: This study attempts to answer: 1) whether the female-owned smallest firms differ from their male-owned counterparts in terms of their performance; 2) if so, whether this affects banks' loan approval decisions.Design/methodology/approach: The study uses the Kauffman Firm Survey - the...

Previous studies found mixed answers whether women-owned firms are less successful than men-owned firms. Women entrepreneurs may lag behind men because they tend to have less human capital, they may have different personal preferences toward their businesses, and they tend to choose highly...

This paper explores Type 1 credit rationing by gender using data from Survey of Small Business Finances. Type 1 credit rationing occurs when borrowers receive a smaller loan than they requested. We use two measures of Type 1 credit rationing to examine whether it is related to gender...

Women business owners are more discouraged than men to apply for a bank loan because of fear of rejection. Using the three Surveys of Small Business Finances, this study examines the reasons for discouragement and previous loan experiences. The study estimates the probability of loan denial...