The State of Minority- and Women- Owned ... - Cleveland.com

List of Tables
Table 5.14. Disparity Ratios from the 2007 Survey of Business Owners, State of Ohio, All
Industries ......................................................................................................................... 178
Table 5.15. Disparity Ratios from the 2007 Survey of Business Owners, United States,
Construction .................................................................................................................... 180
Table 5.16. Disparity Ratios from the 2007 Survey of Business Owners, State of Ohio,
Construction .................................................................................................................... 181
Table 6.1. Selected Population-Weighted Sample Means of Loan Applicants from 1993 NSSBF
Data ................................................................................................................................. 190
Table 6.2. Selected Sample Means of Loan Applicants—ENC ................................................. 191
Table 6.3. Problems Firms Experienced During Preceding 12 Months—USA ......................... 193
Table 6.4. Problems Firms Experienced During Preceding 12 Months—ENC ......................... 193
Table 6.5. Percentage of Firms Reporting Most Important Issues Affecting Them Over the Next
12 Months—USA ........................................................................................................... 194
Table 6.6. Percentage of Firms Reporting Most Important Issues Affecting Them Over the Next
12 Months—ENC ........................................................................................................... 194
Table 6.7. Types of Problems Facing Your Business, by Race and Gender .............................. 196
Table 6.8. Determinants of Loan Denial Rates—USA ............................................................... 199
Table 6.9. Determinants of Loan Denial Rates—ENC Division ................................................ 200
Table 6.10. Alternative Models of Loan Denials ........................................................................ 204
Table 6.11. Models of Credit Card Use–USA ............................................................................ 206
Table 6.12. Models of Credit Card Use–ENC ............................................................................ 206
Table 6.13. Models of Interest Rate Charged—USA ................................................................. 208
Table 6.14. Models of Interest Rate Charged—ENC ................................................................. 209
Table 6.15. Racial Differences in Failing to Apply for Loans Fearing Denial ........................... 211
Table 6.16. Models of Failure to Obtain Credit Among Firms that Desired Additional Credit . 213
Table 6.17. What is the Most Important Problem Facing Your Business Today? ..................... 214
Table 6.18. Determinants of Loan Denial Rates—USA ............................................................. 217
Table 6.19. Determinants of Loan Denial Rates—ENC ............................................................. 218
NERA Economic Consulting vi