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Minority Entrepreneurs Still Face Discrimination When Seeking Finance

The Horizons Tracker

Equipped with business profiles that exceeded the criteria for loan qualification, the Black testers were furnished with even stronger profiles (including higher business income, longer operational history, greater funds in their accounts, and superior credit scores).

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How Credit Card Companies Make Their Money

Strategy Driven

The ease of credit card use can spell trouble for more impulsive buyers , which highlights the importance of knowing yourself and the ways that you tend to deal with feelings like anxiety. We may think we are above the influence that stress has on our finances, but studies indicate the contrary. High-Interest Rates.

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Common Financial Mistakes Small Businesses Make and How to Avoid Them

Strategy Driven

Finance is at the very heart of every business! Venturing in Without a Clear Plan Starting a business without a clear plan for your finances is like walking blindfolded. Hence, it is highly advisable to develop a business plan that maps out your business finances, the business model and the nitty gritty involved in its implementation.

Finance 96
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How Politics Affects Peer-To-Peer Lending

The Horizons Tracker

The attractiveness of an individual’s loan request to potential investors typically hinges on factors such as a favorable credit score and a reasonable loan proposal. Ideological lending This intriguing question formed the basis of a study by the Georgia Institute of Technology.

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Research: The Digitization of Banks Disproportionately Hurts Women Entrepreneurs

Harvard Business Review

In Sweden, for example, the portion of approved bank loans to small and medium-size enterprises has decreased by 15% over the last 10 years , and roughly 60% of all ventures in need of external financing have reported difficulties in accessing financing for their investments.

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How CMOs and CROs Can Be Allies

Harvard Business Review

That has coincided with marketing’s increased influence on strategy, driven by the unprecedented level of insights into customer behavior and trends that are now possible through analytics. CROs are deeply familiar with the troves of risk data, such as payment habits and internal credit scores, that their companies keep.