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Small Business Credit Survey

2019 Report on Employer Firms in Texas


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  1. United States Small Business Profile, Office of Advocacy, U.S. Small Business Administration, 2018.
  2. Small Business Administration and Job Creation, Congressional Research Service, Dec. 20, 2018.
  3. We use the term “minority owned” if the respondent reports that at least 51 percent of the company is owned by someone who identifies as black/African-American, Hispanic/Latino, Asian or Pacific Islander, Middle Eastern, American Indian/Alaskan native or other race. The term “minority owned” is used by the U.S. Small Business Administration, the Census Bureau and local business certification entities.
  4. These educational differences are significant at the 90 percent credibility level, but they are not significant at the 95 percent level. When two values are not statistically different, this means that we cannot be certain that the difference is not just due to sheer chance of sampling. In this case, we are 90 percent certain these values are different but not 95 percent certain.
  5. Approximately the second half of 2017 through the second half of 2018.
  6. See note 5.
  7. Expected change in the second half of 2018 through the second half of 2019.
  8. See note 7.
  9. See note 5.

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