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Study on SBA Lending Practices |
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This study investigated the lending practices of the United States Small Business Administration. Specifically, the purpose of this research was to investigate the contention that Korean American applicants for SBA loans receive preferential consideration by the agency in relation to African American applicants for such loans. Six research questions were investigated in this study. These research questions were as follows: 1. Does the approval rate in the award of SBA loans vary between African American applicants and Korean American applicants? 2. Are there factors other than racial or ethnic bias that explain any variation in approval rates in the award of SBA loans to African American applicants and Korean American applicants? 3. Does the mean loan amount of SBA loans vary between African American loan recipients and Korean American loan recipients? 4. Are there factors other than racial or ethnic bias that explain any variation in the mean loan amount of SBA loans to African American applicants and Korean American applicants? 5. Does the total loan amount of SBA loans vary between African American loan recipients and Korean American loan recipients? 6. Are there factors other than racial or ethnic bias that explain any variation in the total loan amount of SBA loans to African American applicants and Korean American applicants? Based on the findings of the research performed for this current study, a conclusion was drawn that racial and ethnic
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hich discrimination is applied to lending vary. Overt refusal to lend money to an individual because of racial or ethnic background is not only illegal in the United States, it is also relatively rare. Such legal prohibitions are often circumvented in a number of ways, however, such as (1) a failure to offer certain loan programs to certain individuals, and (2) rejection on the basis of other factors that appear unrelated to racial or ethnic background, but which, in fact, may
be contrived, and may not be applied equally to white applicants (Foust, 1992, p. 43). Although illegal, this practice often results in the denial of funds to members of racial and ethnic minorities, and even to neighborhoods that are predominantly occupied by members of racial and ethnic minorities (Schiller, 1993, p. 100). This latter practice is known as "redlining."
Housing discrimination on the basis of racial and ethnic background has existed in the United States from the time of the country's earliest history. As late as 1969, "white only" housing was openly advertised in the Southern states, and, in Northern urban areas such as south Boston, violent racial harassment continues in the 1990s in an attempt to deter blacks from moving into the nei
Category: Government - S
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Adoption CRA, Orndorff Schultz, Isaac Michael, Pfaffenberger Paterson, Administration Specifically, United Smith, Korean American, Housing Act, Questions Six, Literature Related, sba loans, loan amount, racial ethnic, loan recipients, amount sba loans, amount sba, korean american applicants, loan amount sba, basis assessment, ethnic bias, african american applicants, racial ethnic bias, lending practices, isaac michael 1991, michael 1991 128,
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