ps as well as between minority and majority population groups in relation to access to business credit. A continuation of this situation will likely lead to greater social discord in the United States.
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1 INTRODUCTION ..................................... 1
Problem Statement/Purpose ........................ 1
Background on the Problem ........................ 3
Research Questions ............................... 3
Operational Definitions .......................... 4
Research Hypotheses .............................. 5
Dependent and Independent Variables .............. 6
Technical and Other Terms ........................ 7
Scope and Limitations ............................ 8
General Procedures ............................... 8
Summary .......................................... 8
2 LITERATURE REVIEW ................................ 9
Introduction ..................................... 9
Theoretical Framework ............................ 9
Literature Related to the Problem ................ 11
The Purpose and Functioning of the CRA and HMDA ................... 13
Assessment of Recent Lending Practices .................. 19
Literature Related to Method ..................... 20
Summary .......................................... 22
3 METHODOLOGY ...................................... 23
Introduction ..................................... 23
Research Design .................................. 23
Research Design Strategy ......................... 23
Population and Sample ............................ 23 Measurement of Variables ......................... 24
Research Instrumen...