Financial barriers within minority -owned businesses: An investigation of the success of loan applications

by Greene-Booker, Deanne, Ph.D., CAPELLA UNIVERSITY, 2008, 98 pages; 3320813


The purpose of this research was to determine whether certain factors have a greater influence upon minority business financing in Georgia than those same factors have upon non-minority businesses. A mixed methodology evaluation method consisting of both quantitative and qualitative measures was utilized to explore the relationship among the variables in the research questions. Results from the study indicated that more minority than non-minority small business owners reported to having been denied a business loan from a bank. Additionally, the findings indicated that minorities experienced higher levels of discrimination in some aspect of the business world, such as in securing a loan, in advertising, in procuring customers, and so on. Research findings revealed that non-minority small business owners had an advantage in business mentor relationships as compared to minority owners. To enable minority businesses and to assist prospective minority business owners to thrive requires awareness and commitment of both public and private institutions. Factors to be considered for success must therefore be social, as well as financial advancement of the minority-owned small business and its community.

AdviserStephanie Fraser-Beekman
Source TypeDissertation
Publication Number3320813

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