differences in small business credit market experiences across demographic groups. We analyze credit applications, loan denials … from small business owners who said they did not apply for credit because they believed that their application would have … been turned down. This set of analyses, in combination with important new information on the personal credit history of the …

present for those with higher incomes or those with no credit problems. Thus, the claim that non-economic discrimination is a …

assumptions. These three assumptions are: (1) The classic type of credit rationing developed in the seminal paper by Stiglitz and … reduce these credit rationing problems—thus improving the level of development of the local financial market, and (3 …

This paper increases understanding of the causes and consequences of discrimination in credit markets. It develops an …

access to credit and financial services among Black Households. …