Data from a Greenlining Institute survey suggest that minority small-business owners may be at least partially responsible for the scarcity of bank credit in inner-city areas.

The poll found that 86% of minority businesses in South Central Los Angeles and Orange County, Calif., did not seek bank loans in 1995 or 1996. Of these businesspeople, four out of five said they did not apply because they believed a bank would reject the application.

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