Access to Finance by Ethnic Minority Businesses in the UK
This article presents findings from a large-scale study of access to finance and business support by ethnic minority businesses (EMBs) in the UK. The results show more variation between ethnic minority groups than between EMBs (as a group) and white-owned firms; with African/Caribbean owned business...
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| Veröffentlicht in: | International small business journal 2003-08, Vol.21 (3), p.291-314 |
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| container_title | International small business journal |
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| creator | Smallbone, David Ram, Monder Deakins, David Aldock, Robert B |
| description | This article presents findings from a large-scale study of access to finance and business support by ethnic minority businesses (EMBs) in the UK. The results show more variation between ethnic minority groups than between EMBs (as a group) and white-owned firms; with African/Caribbean owned businesses (ACBs) appearing the most disadvantaged. Analysis shows them to have been less successful in accessing bank loans than either white or other ethnic minority groups and to have a higher propensity to turn to non-bank formal sources of start-up finance (including various sources of `last resort' lending). Although some of these difficulties are associated with certain types of business activity in which ACBs are concentrated, sector is not a determining influence. The results suggest that ACBs, and/or sectors in which ACBs are concentrated, would appear to justify a targeting priority in any new finance initiatives that are taken. |
| doi_str_mv | 10.1177/02662426030213003 |
| format | Article |
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| fulltext | fulltext |
| identifier | ISSN: 0266-2426 |
| ispartof | International small business journal, 2003-08, Vol.21 (3), p.291-314 |
| issn | 0266-2426 1741-2870 |
| language | eng |
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| source | PAIS Index; SAGE Complete A-Z List |
| subjects | Bank loans Bank management Business studies Corporate finance Correlation analysis Discrimination Economics Enterprises Ethnicity Finance Focus groups Home-based businesses Loans Market access Minorities Minority & ethnic groups Minority business enterprises Minority owned businesses Small business Startups Stereotypes Studies United Kingdom United States |
| title | Access to Finance by Ethnic Minority Businesses in the UK |
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