A Qualitative Assessment of the Small Business Administration Loan Guarantee Program's Influence on the Effects of Financial Market Concnetration PDF Download
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Author: George Walser Haynes
Publisher:
ISBN:
Category :
Languages : en
Pages : 456
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Author: George Walser Haynes
Publisher:
ISBN:
Category :
Languages : en
Pages : 456
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Book Description
Author: George Walser Haynes
Publisher:
ISBN:
Category :
Languages : en
Pages : 212
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Author: United States. Congress. Senate. Committee on Small Business and Entrepreneurship
Publisher:
ISBN:
Category : Commercial credit
Languages : en
Pages : 196
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Author: Yana Morgulis
Publisher:
ISBN: 9781321897302
Category : Fraud
Languages : en
Pages : 148
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Book Description
In the first chapter, I take advantage of a regime change that introduced competition into a market initially defined by sanctioned monopolies to study the impact of changing incentives on firm behavior. The market is the 504 Loan Program administered by the Small Business Administration and defined by fixed prices which allow the analysis to study changes on other margins. The study focuses on changes in market concentration, loan volume, risk profile, and firm rents. Findings are consistent with a theoretical model of relaxing geographic boundaries and increasing competition. Using a linked database based on a list of all Small Business Administration (SBA) loans in 1992 to 2011 and annual information on all U.S. employers from 1976 to 2012, the second chapter applies detailed matching and regression methods to estimate the variation in SBA loan effects on job creation across firm age and size groups. The firm-level proportional impact of loan receipt is estimated to fall with pre-loan firm size and age, and is largest for start-ups and very young and very small firms. The number of jobs created per million dollars of loans is also estimated to be highest for start-ups but otherwise generally increases with size and age. The estimated survival impact of loan amount is larger for smaller and younger firms. The final chapter takes advantage of a unique investigation by a local utility company within a single metropolitan area to relate cultural norms of residents to identified instances of fraud. We base the cultural norms index on the country of birth and the associated country corruption index of residents and generate counts of location-based utilities fraud based on the data from the investigation. The analysis results in a large and persistent positive correlation between the cultural norms index and fraud variables suggesting that there exists a strong relationship between cultural norms and the likelihood of engaging in fraud.
Author: United States. Congress. House. Committee on Small Business. Subcommittee on General Oversight
Publisher:
ISBN:
Category : Government publications
Languages : en
Pages : 134
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Author: United States. Small Business Administration
Publisher:
ISBN:
Category : Government lending
Languages : en
Pages : 116
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Author: United States. Small Business Administration
Publisher:
ISBN:
Category : Small business
Languages : en
Pages : 32
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Author: United States Accounting Office (GAO)
Publisher: Createspace Independent Publishing Platform
ISBN: 9781719376235
Category :
Languages : en
Pages : 112
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Book Description
SBA's 7(a) Loan Guarantee Program: An Assessment of Its Role in the Financial Market
Author: Jonathan Bean
Publisher: University Press of Kentucky
ISBN: 0813185149
Category : Political Science
Languages : en
Pages : 347
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Book Description
David Stockman, Ronald Reagan's budget director, proclaimed the Small Business Administration a "billion-dollar waste—a rathole," and set out to abolish the agency. His scathing critique was but the latest attack on an agency better known as the "Small Scandal Administration." Loans to criminals, government contracts for minority "fronts," the classification of American Motors as a small business, Whitewater, and other scandals—the Small Business Administration has lurched from one embarrassment to another. Despite the scandals and the policy failures, the SBA thrives and small business remains a sacred cow in American politics. Part of this sacredness comes from the agency's longstanding record of pioneering affirmative action. Jonathan Bean reveals that even before the Civil Rights Act of 1964, the SBA promoted African American businesses, encouraged the hiring of minorities, and monitored the employment practices of loan recipients. Under Nixon, the agency expanded racial preferences. During the Reagan administration, politicians wrapped themselves in the mantle of minority enterprise even as they denounced quotas elsewhere. Created by Congress in 1953, the SBA does not conform to traditional interpretations of interest-group democracy. Even though the public—and Congress—favors small enterprise, there has never been a unified group of small business owners requesting the government's help. Indeed, the SBA often has failed to address the real problems of "Mom and Pop" shop owners, fueling the ongoing debate about the agency's viability.
Author: United States. Congress. Senate. Select Committee on Small Business
Publisher:
ISBN:
Category :
Languages : en
Pages : 64
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