What is it about?

This study is about female business owners' perceptions of whether they will be approved for a loan and how they make a decision based on that perception. Those who were denied for a loan previously are more likely to be discouraged from applying again.

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Why is it important?

Examing bank loan denial decisions is an important research area because it has a long-lasting effect on applying for a loan regardless of whether it is due to discrimination or business owners' perceptions of discrimination.


Measuring different ways to impact the decision-making process is a fascinating task. Having data to measure how business owners make a decision is priceless.

Dr. Naranchimeg Mijid
Charter Oak Financial

Read the Original

This page is a summary of: Why are female small business owners in the United States less likely to apply for bank loans than their male counterparts?, Journal of Small Business & Entrepreneurship, March 2014, Taylor & Francis, DOI: 10.1080/08276331.2015.1012937.
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