Abstract Our study identifies regional traits associated with small business viability, paying particular attention to bank lending minority-owned firms. Although creditworthy minority enterprises (MBEs) have less access financing than similar White-owned firms, they increased their nationwide employee numbers substantially since 2002, more so indeed The discouraged borrower incidence among MBE...

Section 2227 of the Economic Growth and Regulatory Paperwork Reduction Act of 1996 requires the Board of Governors of the Federal Reserve System to conduct a study and submit a report every five years to Congress detailing the extent of small business lending by all creditors. The act specifies that the study should identify factors that provide policymakers with insight into the small business...

Small businesses play an important role in the U.S. economy and there is anecdotal evidence that use of the Web is beneficial to such businesses. There is, however, little systematic analysis of the conditions that lead to successful use of and thereby benefits from the Web for small businesses. Based on the innovation adoption, organizations, and information systems (IS) implementation literat...

Small businesses, businesses with 20 or less personnel, account for a significant proportion of economic activity and it is the economic sector that employs the most people in OECD countries. Small businesses are fundamentally different than larger organizations in their operations and decision-making processes. Business intelligence (BI) is the current approach to management decision support i...

INTRODUCTION The global nature of pr duct and service markets, technology and competition has increased business requirements for flexibility, quality, cost-effectiveness and timeliness. As a key resource for meeting these requirements, information technology (IT) has been revolutionizing business practice. While there has been considerable research into the way in which large businesses use th...

All businesses, big and small, manage many interactions with different communities each day. The enterprise interacts with employees, consumers, small businesses, mid-size businesses, and large businesses (see figure 1). These interactions are critical to the daily operation of the business. Inefficiencies that exist in the interactive processes of the enterprise create several business problem...