When credit application experiences are examined, minority-owned small firms are not the discouraged borrowers that … statistical analysis reveals that persistence is necessary but insufficient for minority firms to be successful credit applicants …. At the same time, minority-owned firms overall were more likely than white-owned firms to make repeated attempts to …

SME lending. The degree of banks' centralization is also approximated by the spatial concentration of bank employees and …

wave of bank consolidation of the 1990s may have reduced the availability of loans to small businesses in the US. Using a … that small banks are participating less in small business lending. These results imply that the bank-lending channel of the …

countries and between decentralised and centralised systems with regard to the SME ]credit decision ]making process become … significant as savings banks in Germany, at least not for SME finance. Notwithstanding recent initiatives to create a common …