The Impact of SBA Lending Activity on Micropolitan Statistical Areas in the U.S. Southeast PDF Download
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Author: Bienvenido S. Cortes
Publisher:
ISBN:
Category :
Languages : en
Pages : 8
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Book Description
This study examines the economic impact of Small Business Administration (SBA) guaranteed lending activity on the 12 states comprising the Southeast region (Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, and West Virginia) for the 1990-2015 period. Past studies find that the effect of Small Business Administration loans on regional economic performance, particularly in low-income areas, is positive but negligible. The study adds to the literature by focusing on a government-defined geographic unit called the micropolitan statistical area (which consists of at least one county with an urban core population of 10,000-50,000). The objective is to measure and evaluate the effect of Small Business Administration loans on various indicators of micropolitan area economic activity (gross regional product, employment, and income growth), while also controlling for other determinants of local economic growth. The study applies fixed effects regression model on a cross-section of 153 micropolitan areas for three subperiods in 1990-2015. It finds that micropolitan area economic growth in the Southeast region is dependent on Small Business Administration -guaranteed lending, industrial composition, human capital, and demographic factors.
Author: Bienvenido S. Cortes
Publisher:
ISBN:
Category :
Languages : en
Pages : 8
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Book Description
This study examines the economic impact of Small Business Administration (SBA) guaranteed lending activity on the 12 states comprising the Southeast region (Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, and West Virginia) for the 1990-2015 period. Past studies find that the effect of Small Business Administration loans on regional economic performance, particularly in low-income areas, is positive but negligible. The study adds to the literature by focusing on a government-defined geographic unit called the micropolitan statistical area (which consists of at least one county with an urban core population of 10,000-50,000). The objective is to measure and evaluate the effect of Small Business Administration loans on various indicators of micropolitan area economic activity (gross regional product, employment, and income growth), while also controlling for other determinants of local economic growth. The study applies fixed effects regression model on a cross-section of 153 micropolitan areas for three subperiods in 1990-2015. It finds that micropolitan area economic growth in the Southeast region is dependent on Small Business Administration -guaranteed lending, industrial composition, human capital, and demographic factors.
Author: United States. Small Business Administration. Office of Planning, Research and Analysis
Publisher:
ISBN:
Category : Small business
Languages : en
Pages : 582
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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
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 108
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Author:
Publisher:
ISBN:
Category :
Languages : en
Pages : 20
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Author: Robert L. King
Publisher: Springer
ISBN: 3319173928
Category : Business & Economics
Languages : en
Pages : 176
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This volume includes the full proceedings from the 1987 Minority Marketing Congress held in Greensboro, North Carolina under the theme Minority Marketing: Issues and Prospects. It provides a variety of quality research in the field of minority marketing in order to assimilate and enhance knowledge of marketing practices for minority enterprises. It includes papers on various topics in minority marketing including advertising, promotion and consumer behaviour. Founded in 1971, the Academy of Marketing Science is an international organization dedicated to promoting timely explorations of phenomena related to the science of marketing in theory, research, and practice. Among its services to members and the community at large, the Academy offers conferences, congresses and symposia that attract delegates from around the world. Presentations from these events are published in this Proceedings series, which offers a comprehensive archive of volumes reflecting the evolution of the field. Volumes deliver cutting-edge research and insights, complimenting the Academy’s flagship journals, the Journal of the Academy of Marketing Science (JAMS) and AMS Review. Volumes are edited by leading scholars and practitioners across a wide range of subject areas in marketing science.
Author: United States. Congress. House. Select Committee on Small Business
Publisher:
ISBN:
Category : Small business
Languages : en
Pages : 1146
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Author: United States. Superintendent of Documents
Publisher:
ISBN:
Category : Government publications
Languages : en
Pages : 388
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Author: Center for Political Research. Research Services Division
Publisher:
ISBN:
Category : Economic assistance, Domestic
Languages : en
Pages : 260
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Author:
Publisher:
ISBN:
Category : Small business
Languages : en
Pages : 554
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