大流行期间企业主人口结构对贷款宽免的影响

IF 1.3 Q3 BUSINESS

Journal of Developmental Entrepreneurship Pub Date : 2023-10-01 DOI:10.1142/s108494672350019x

MICHAEL OGBOLU, IKENNA UZUEGBUNAM, AMANDA HINOJOSA

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引用次数: 0

摘要

一般来说，危机局势会给企业家及其企业带来经济困难。因此，历史上的危机事件可能伴随着政府的政策，以减轻对企业主及其员工的不利影响。通过分析从美国财政部获得工资保障计划(PPP)贷款15万美元或以上的139,006家美国企业的样本，我们的经验表明，女性、种族和少数民族企业主在获得贷款减免方面相对于同行处于不利地位。这些发现通过强调融资后在获取风险资源方面的性别、种族和民族差异，推动了文献的发展。实际上，研究结果突显了政府在历史冲击期间的干预可能会不成比例地增加对女性、种族和少数族裔企业主的限制。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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THE EFFECT OF BUSINESS OWNER DEMOGRAPHICS ON LOAN FORGIVENESS IN A PANDEMIC

Generally, crisis situations entail economic hardship for entrepreneurs and their businesses. As such, historical crisis events may be accompanied by government policy to lessen the adverse effects for business owners and their employees. By analyzing a sample of 139,006 U.S. businesses that received Paycheck Protection Program (PPP) loans of $150,000 or more from the United States Treasury, we empirically show that female, racial and ethnic minority business owners will be at a disadvantage in receiving loan forgiveness relative to their peers. These findings advance the literature by highlighting post funding gender, racial and ethnic disparities in accessing venture resources. Practically, the results highlight how governmental intervention during a historical shock may disproportionately increase constraints on female, racial and ethnic minority business owners.

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来源期刊

Journal of Developmental Entrepreneurship BUSINESS-

CiteScore

2.10

自引率

0.00%

发文量

期刊介绍： The Journal of Developmental Entrepreneurship (JDE) provides a forum for the dissemination of descriptive, empirical, and theoretical research that focuses on issues concerning microenterprise and small business development, especially under conditions of adversity. The intended audiences for JDE are scholars who study issues of developmental entrepreneurship and professionals involved in governmental and non-governmental efforts to facilitate entrepreneurship in economic and community development programs around the world. Articles will cover a broad range of topics, including: -Entrepreneurship and self-employment in developing contexts -Challenges and opportunities unique to minority and women entrepreneurs -Microenterprise funds and private-sector small business lending practices -Legislation, regulation, and tax policy that impact entrepreneurship and economic development -Processes that facilitate growth and development within emerging enterprises -Networks within and among entrepreneurial ventures -Marketing patterns and approaches in venture growth and development -International developmental entrepreneurship programs -Entrepreneurship in the informal economic sector -Education and training for aspiring entrepreneurs -Industry practices that adversely affect microenterprise development -Economic and social impacts of microenterprise activity