Ethnic minority entrepreneurs and the commercial banks in the UK: access to formal sources of finance anddecision-making by their bankers

Deakins, D., Ram, M., Smallbone, D. and Fletcher, M. (2004) Ethnic minority entrepreneurs and the commercial banks in the UK: access to formal sources of finance anddecision-making by their bankers. In: Stiles, C. H. and Galbraith, C. S. (eds.) Ethnic Entrepreneurship: Structure and Process. Series: International research in the business disciplines (4). JAI Press, pp. 293-314. ISBN 9780762310333

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Abstract

This chapter is concerned with access to bank finance by ethnic minority businesses (EMBs) in the U.K., focusing particularly on the process of decision-making by bank managers with respect to credit applications by entrepreneurs from ethnic minority groups. The results reported in this chapter are taken from a major U.K. study that included two large scale surveys of EMB owners and a white control group, case studies with ethnic minority entrepreneurs and a programme of interviews with business support agencies. Whilst referring to other evidence, this chapter focuses on the findings from a series of interviews with bank representatives. The U.K. study was funded by the British Bankers’ Association (BBA), the Bank of England and the Small Business Service and supported by the Commission for Racial Equality.

Item Type:Book Sections
Status:Published
Glasgow Author(s) Enlighten ID:Fletcher, Professor Margaret
Authors: Deakins, D., Ram, M., Smallbone, D., and Fletcher, M.
College/School:College of Social Sciences > Adam Smith Business School > Management
Publisher:JAI Press
ISBN:9780762310333

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