.S. employers to estimate the effects of financial access on employment growth. Our methods combine regressions with matching on … constraints impede small business growth prior to loan receipt. We also investigate the variation in estimated employment effects …We analyze linked databases on all Small Business Administration (SBA) loans, on all SBA lenders, and on all U …

.S. employers to estimate the effects of financial access on employment growth. Our methods combine regressions with matching on … constraints impede small business growth prior to loan receipt. We also investigate the variation in estimated employment effects …We analyze linked databases on all Small Business Administration (SBA) loans, on all SBA lenders, and on all U …

years old) have, on average, accounted for all of US employment growth over the past few decades. New businesses are … especially important for youth employment. However, these businesses tend to borrow a lot, and the credit constraints they face …

inefficiencies. -- Informal sector ; micro and small enterprises ; credit constraints ; risk ; risk aversion ; firm growth ; West-Africa …

access on employment growth. Estimation exploits the long panels and variation in ease of access to SBA lenders. The results …We analyze linked databases on all SBA loans and lenders and on all U.S. employers to estimate the effects of financial … imply an increase of 3 to 3.5 jobs for each million dollars of loans, suggesting real effects of credit constraints …