The savings and credit management of low-income, low-wealth black and white families

Economic Development Quarterly

Volumn 17, Issue 1, 2003, Pages 53-74

  Bradford, William D ^a  

^a UNIVERSITY OF WASHINGTON   (United States)

Author keywords

Bankruptcy; Credit; Debt; Savings; Wealth

Indexed keywords

BLACK POPULATION; CREDIT PROVISION; FINANCIAL MARKET; LOW INCOME POPULATION; RACIAL DISPARITY; SAVINGS BEHAVIOR;

UNITED STATES;

EID: 0037260071     PISSN: 08912424     EISSN: None     Source Type: Journal    
DOI: 10.1177/0891242402239198     Document Type: Article

References (25)

1. Altonji, J., Doraszelski, U., & Segal, L. (2000). Black/White differences in wealth. Economic Perspectives, 24, 30-50.
2. Altonji, J., Hayashi, F., & Kotlikoff, L. (1997). Parental altruism and inter vivos transfers: Theory and evidence. Journal of Political Economy, 105, 1121-1166.
3. Ando, F. (1988). Capital issues and minority-owned businesses. Review of Black Political Economy, 16, 77-109.
4. Bates, T. (1997). Unequal access: Financial institution lending to Black- and White-owned small business start-ups. Journal of Urban Affairs, 19, 487-495.
5. Bates, T., & Bradford, W. (1992). Factors affecting new firm success and their use in venture capital financing. Journal of Small Business Finance, 2(1), 23-38.
6. Becker, G. (1971). The economics of discrimination. Chicago: University of Chicago Press.
7. Blanchflower, D., Levine, P., & Zimmerman, D. (1998). Discrimination in the small business credit market (Working Paper No. 6840). Cambridge, MA: National Bureau of Economic Research.
8. Blau, F., & Graham, J. (1990). Black-White differences in wealth and asset composition. Quarterly Journal of Economics, 105, 331-339.
9. Bradford, W. (2000a). Black family wealth in 2000. In State of the Black Economy, 2000 (pp. 103-145). New York: National Urban League.
10. Bradford, W. (2000b). The wealth dynamics of self-employment for Black and White families [Unpublished working paper]. Seattle: University of Washington.
11. Cavalluzzo, K., & Cavalluzzo, L. (1998). Market structure and discrimination: The case of small businesses. Journal of Money, Credit and Banking, 30, 771-792.
12. Cotton, J. (1998). On the permanence or impermanence of Black-White economic inequality. Review of Black Political Economy, 26(2), 47-56.
13. Hill, M. (1992). The panel study of income dynamics. Newbury Park, CA: Sage.
14. Holzer, H., & Neumark, D. (2000). Assessing affirmative action. Journal of Economic Literature, 38, 483-568.
15. Hurst, E., Luoh, M., & Stafford, F. (1998). The wealth dynamics of American families, 1984-1994. Brooking Papers on Economic Activities, 1, 267-329.
16. Hurst, E., & Stafford, F. (1998, February). Grasshoppers and ants: Mortgage refinancing and bankruptcy [Unpublished working paper]. Ann Arbor: University of Michigan.
17. Juster, F., Smith, J., & Stafford, F. (1999). The measurement and structure of household wealth. Labor Economics, 6, 253-275.
18. Ladd, H. (1998). Evidence on discrimination in mortgage lending. Journal of Economic Perspective, 12(2), 41-62.
19. Menchik, P., & Jianakoplos, N. (1997). Black-White wealth inequality: Is inheritance the reason? Economic Inquiry, 35(2), 428-442.
20. Oliver, M., & Shapiro, T. (1990). Wealth of a nation-At least one-third of household are asset poor. American Journal of Economics and Sociology, 49(2), 129-150.
21. Phelps, E. (1972). The statistical theory of racism and sexism. American Economic Review, 62, 659-661.
22. Quadrini, V. (1999). The importance of entrepreneurship for wealth concentration and mobility. Review of Income and Wealth, 45(1), 1-19.
23. Smith, J. (1995). Racial and ethnic differences in wealth in the health and retirement study. Journal of Human Resources, 30(2), s158-s183.
24. Wolff, E. (1998). Recent trends in the size distribution of household wealth. Journal of Economic Perspectives, 12(3), 131-150.
25. Yinger, J. (1998). Evidence on discrimination in consumer markets. Journal of Economic Perspectives, 12(2), 23-40.