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What Drives Racial and Ethnic Differences in High Cost Mortgages? The Role of High Risk Lenders

Bayer, Patrick - 2016

This paper examines racial and ethnic differences in high cost mortgage lending in seven diverse metropolitan areas from 2004-2007. Even after controlling for credit score and other key risk factors, African-American and Hispanic home buyers are 105 and 78 percent more likely to have high cost...

Persistent link: https://www.econbiz.de/10012456669

Heterogenous Rates of Return on Homes and Other Real Estate : Do the Rich Do Better? Do Black Households Do Worse?

Wolff, Edward N. - National Bureau of Economic Research - 2022

Recent work on wealth inequality based on the capitalization method wherein aggregate wealth totals are distributed in proportion to various forms of income like dividends has motivated a concern about whether rates of return on assets vary across the wealth distribution. In this study, I use a...

Persistent link: https://www.econbiz.de/10013435105

Municipal Housekeeping : The Impact of Women's Suffrage on Public Education

Carruthers, Celeste K. - 2015

result, women's suffrage exacerbated racial inequality in education expenditures and substantially delayed relative gains in …

Persistent link: https://www.econbiz.de/10012457802

The Impacts of COVID-19 on Racial Inequality in Business Earnings

Fairlie, Robert W. - National Bureau of Economic Research - 2022

Many small businesses have closed, lost revenues, or downsized as a response to health and economic disruptions caused by COVID-19. But, were economic losses in the pandemic disproportionately felt by businesses owned by people of color? This paper provides the first study of the impacts of...

Persistent link: https://www.econbiz.de/10013435094

Closing the Innovation Gap in Pink and Black

Cook, Lisa D.; Gerson, Janet; Kuan, Jennifer - National Bureau of Economic Research - 2021

Recent research shows the negative impact of discrimination not only on the targets of discrimination but also on the economy as a whole. Racial and gender inequality can limit the entire economy's productive capacity and innovation outcomes. Using new data from NSF's Survey of Earned Doctorates...

Persistent link: https://www.econbiz.de/10012660032

Black Ownership Matters : Does Revealing Race Increase Demand For Minority-Owned Businesses?

Aneja, Abhay; Luca, Michael; Reshef, Oren - National Bureau of Economic Research - 2023

Is there consumer demand to support Black-owned businesses? To explore, we investigate the impact of a new feature on a large online platform that made the race of a set of Black business owners salient to customers. We find that this feature substantially increased demand for Black-owned...

Persistent link: https://www.econbiz.de/10014226129

When Is There a Strong Transfer Risk from the Sovereigns to the Corporates? Property Rights Gaps and CDS Spreads

Bai, Jennie - 2012

When a sovereign faces the risk of debt default, it may be tempted to expropriate the private sector. This may be one reason for why international investment in private companies has to take into account the sovereign risk. But the likelihood of a transfer from the sovereign risk to corporate...

Persistent link: https://www.econbiz.de/10012460062

Historical Differences in Female-Owned Manufacturing Establishments : The United States, 1850-1880

Gozen, Ruveyda; Hornbeck, Richard; Humlum, Anders; … - National Bureau of Economic Research - 2024

-owned establishments employed more women and paid women higher wages, creating a potential cycle between increased female business … ownership and increased female labor market participation. Female-owned establishments concentrated in sub-industries like women … from other women in the Population Census …

Persistent link: https://www.econbiz.de/10014576604

Applications or Approvals : What Drives Racial Disparities in the Paycheck Protection Program?

Chernenko, Sergey; Kaplan, Nathan; Sarkar, Asani; … - National Bureau of Economic Research - 2023

We use the 2020 Small Business Credit Survey to study the sources of racial disparities in use of the Paycheck Protection Program (PPP). Black-owned firms are 8.9 percentage points less likely than observably similar white-owned firms to receive PPP loans. About 55% of this take-up disparity is...

Persistent link: https://www.econbiz.de/10014250189

Are Consumers Affected by Durable Goods Makers' Financial Distress? The Case of Auto Manufacturers

Hortaçsu, Ali - 2010

The financial decisions of durable goods makers can impose spillovers on their consumers. Namely, durable goods provide a consumption stream that frequently depends on services provided by the manufacturer (e.g., warranties, parts, and maintenance). Manufacturer bankruptcy, or even the...

Persistent link: https://www.econbiz.de/10012462460

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