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Author: United States. Congress. House. Committee on Small Business. Subcommittee on Workforce, Empowerment, and Government Programs
Publisher:
ISBN:
Category : Disaster relief
Languages : en
Pages : 96
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Author: United States. Congress. House. Committee on Small Business. Subcommittee on Workforce, Empowerment, and Government Programs
Publisher:
ISBN:
Category : Disaster relief
Languages : en
Pages : 96
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Book Description
Author: United States. Congress. House. Committee on Small Business. Subcommittee on Finance and Tax
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 76
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Author: United States Government Accountability Office
Publisher: Createspace Independent Publishing Platform
ISBN: 9781976433887
Category :
Languages : en
Pages : 26
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Book Description
The Small Business Administration's (SBA) purpose is to promote small business development and entrepreneurship through business financing, government contracting, and technical assistance programs. SBA's largest business financing program is its 7(a) program, which provides guarantees on loans made by private-sector lenders to small businesses that cannot obtain financing under reasonable terms and conditions from the private sector. In addition, SBA's Office of Disaster Assistance makes direct loans to households to repair or replace damaged homes and personal property and to businesses to help with physical damage and economic losses. This testimony, which is based on a number of reports that GAO issued since 1998, discusses (1) changes in SBA's oversight of the 7(a) business loan program; (2) steps SBA has taken to improve its management of information technology, human capital, and financial reporting for business loans; and (3) SBA's administration of its disaster loan
Author: United States. Congress. House. Committee on Small Business. Subcommittee on Economic Growth, Capital Access, and Tax
Publisher:
ISBN:
Category : Capital
Languages : en
Pages : 56
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Author:
Publisher:
ISBN:
Category : Small business
Languages : en
Pages : 50
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Author: Elisabeth Rhyne
Publisher: Praeger
ISBN: 0899302564
Category : Business & Economics
Languages : en
Pages : 0
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Book Description
The author, with the cooperation of the Brookings Institution and the Congressional Budget Office, analyzes the efficiency of the Small Business Administration. In the book's seven chapters Rhyne examines loan rate defaults, the subsidy issue, how banks respond to incentives to lend, and the philosophic question of the ultimate purpose of the SBA program. Coverage includes historical aspects, the life cycle of SBA loans, and various policy and financial issues of SBA programs. Rhyne is critical of the SBA loan guarantees; she presents recommendations for reforms and discusses the implications for other credit programs. . . . Original government data sources were used extensively in the research, making the work quite definitive as of the publishing date. Choice The Small Business Administration (SBA) loan guarantee program--one of the mainstays of small business financing--has been both sharply attacked as wasteful and staunchly defended as essential during recent debates over the Federal budget. This book clarifies the reasons for the often heated debate and offers new insights into whether the program does indeed subsidize the weak or perform a valuable service in bridging the small business credit gap. Rhyne argues persuasively that despite recent program improvements, the SBA allows a hefty subsidy to continue by tolerating frequent, costly defaults. She recommends that the program seek to become financially self-sustaining, thereby adopting a simple market-making function rather than a credit allocation role. The book with a brief history of the SBA program and its predecessor in the Reconstruction Finance Corporation. The author describes the program's political environment and demonstrates the central role of banks in the program. She then moves to a thorough analysis of the program's financial performance and assesses the impact of SBA loans on banks. Subsequent chapters examine the cost of the program to the SBA, the social goals of the program and how well it fulfills them, and the changes made in the program during the 1980s to improve its management efficiency. The final chapter explores policy changes that could improve the program's overall performance and offers recommendations for reform ranging from minor management improvements to major program restructuring. A landmark critique of a major governmental program and its impact on the business community, this book should be read by every banker, small business owner, and legislator with an interest in the fate of the SBA loan guarantee program, or in the government's role in credit allocation.
Author: William B. Shear
Publisher: DIANE Publishing
ISBN: 1437909868
Category : Social Science
Languages : en
Pages : 51
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The Small Business Admin. (SBA) and the Rural Development offices of the U.S. Dept. of Agriculture (USDA) both work in rural areas to foster economic development by promoting entrepreneurship and community development. This report discusses: (1) the complementary nature of some SBA and Rural Development programs and the extent to which it provides a rationale for the agencies to collaborate; (2) past and current efforts by SBA and Rural Development to work together and with other agencies; and (3) opportunities for the agencies to improve their collaborative efforts. Includes recommendations. Charts and tables.
Author: United States. Congress. House. Committee on Small Business
Publisher:
ISBN:
Category : Electronic government information
Languages : en
Pages : 88
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Author: United States. Small Business Administration
Publisher:
ISBN:
Category : Small business
Languages : en
Pages : 44
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Author: United States. General Accounting Office
Publisher:
ISBN:
Category : Commercial loans
Languages : en
Pages : 76
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