An examination of the effects of price and availability of credit from commercial lending organizations on the start-up rates of new businesses within specific markets, finding that profitable and competitive banking markets are associated with higher rates of firm births.

A study of the effects of bank structure and profitability on the births of new firms, arguing that local credit markets potentially affect firm location decisions.

Infers the value of public schools from sale prices of houses in neighborhoods in which public services are delivered by overlapping jurisdictions to isolate the effects of the public school from other local government services. Discusses differences across jurisdictions in the value of local...