Table of Contents
- Scope and Themes
- What you need to know
- Scope of this report
- Resources used for The Consumer sections
- Abbreviations and terms
- Abbreviations
- Terms
- Definitions
- Figure 1: Cultural heritage of Hispanic survey respondents. 2006
- Executive Summary
- Minority-owned small businesses increasing at a rapid rate
- Minority groups--overview
- Minority business owners--who are they?
- How do they start and fund their businesses?
- What do they think of their financial services provider?
- How can you reach minority business owners?
- The U.S. Minority Small Business Marketplace
- Overview of U.S. small businesses
- Overview of minority business owners
- Figure 2: Change in number and gross receipts for minority firms,
1997-2002
- Figure 3: Minority business representation, by industry sector, 2002
- Changing minority demographics
- Figure 4: Total population, by race and Hispanic origin, 2002-12
- Figure 5: U.S. minority group buying power, 2004
- Profile of minority business owners
- Figure 6: Use of financial products by minority-owned small businesses,
by race/ethnicity, 2003
- Figure 7: Suppliers of financial services used by small businesses, by
race/ethnicity, 2003
- Figure 8: Profile of self-employed, by race/ethnicity, gender and age,
January-September 2006
- Self-employed and gender
- Self-employed and age
- Minority business owners and company size
- Figure 9: Size of firms, by number of employees--all firms vs. those for
which the majority owner is non-white or Hispanic, 2003
- Figure 10: Self-employed, by company size and race/ethnicity,
January-September 2006
- Figure 11: Self-employed by race/ethnicity, company size, gender and
age, January-September 2006
- Figure 12: Self-employed, by income, education and race/ethnicity,
January-September 2006
- Trends and opportunities for financial services companies
- Hispanics
- Figure 13: Percent change in Hispanic population--top 23
cities,--1990-2000
- Figure 14: Percentage change in metropolitan areas with the
fastest-growing Hispanic populations, 2000-04
- Figure 15: Total population and Hispanic population, by age, 2006
- Figure 16: Hispanic population projections, 2010-50
- Figure 17: Hispanic heritage, language spoken, and born/not born in
U.S., by company size, January-September 2006
- Black Americans
- Figure 18: Counties with the largest number of black-owned firms, 2002
- Figure 19: Industries with the most black-owned businesses, 2002
- Figure 20: States with the largest number of black-owned firms, 2002
- Figure 21: Percent change in black American population--top 23 cities,
1990-2000
- Figure 22: Percentage change in metropolitan areas with the
fastest-growing black populations, 2000-04
- Figure 23: Total population and black population, by age, 2006
- Asian Americans
- Asian American small businesses
- Figure 24: Percent change Asian/Pacific Islander population--top 23
cities, 1990-2000
- Figure 25: Percentage change in metropolitan areas with the
fastest-growing Asian populations, 2000-04
- Asian Americans and financial institutions
- Asian American online activity
- The Consumer Survey--Types of Businesses Surveyed
- Type of business
- Figure 26: Type of business owned, by gender--minority respondents who
own a business, July 2007
- Figure 27: Type of business owned, by age--minority respondents who own
a business, July 2007
- Figure 28: Type of business owned, by income--minority respondents who
own a business, July 2007
- Figure 29: Type of business owned, by race/ethnicity--minority
respondents who own a business, July 2007
- Figure 30: Type of business owned, by marital status and number of
people in the househole--minority respondents who own a business, July 2007
- Figure 31: Type of business owned, by education--minority respondents
who own a business, July 2007
- Figure 32: Type of business owned, by Census region--minority
respondents who own a business, July 2007
- Summary--who owns what
- Number of employees
- Figure 33: Number of employees, by gender--minority respondents who own
a business, July 2007
- Figure 34: Number of employees, by age--minority respondents who own a
business, July 2007
- Figure 35: Number of employees, by race/ethnicity--minority respondents
who own a business, July 2007
- Figure 36: Number of employees, by marital status and number of persons
in household--minority respondents who own a business, July 2007
- Figure 37: Number of employees, by education--minority respondents who
own a business, July 2007
- Figure 38: Number of employees by Census region--minority respondents
who own a business, July 2007
- The Consumer--Financial Details of Business Owners
- Primary source of income
- Figure 39: Is business primary or secondary source of income?, by
gender, age and income--minority respondents who own a business, July 2007
- Figure 40: Is business primary or secondary source of income?, by
race/ethnicity--minority respondents who own a business, July 2007
- Figure 41: Is business primary or secondary source of income?, by
marital status and number of persons in household--minority respondents who
own a business, July 2007
- Figure 42: Is business primary or secondary source of income?, by level
of education--minority respondents who own a business, July 2007
- Figure 43: Is business primary or secondary source of income?, by Census
region--minority respondents who own a business, July 2007
- Are respondents also homeowners?
- Figure 44: Home ownership rates, by race/ethnicity, 1996 and 2005
- Figure 45: Home ownership rates, by race/ethnicity--minority respondents
who own a business, July 2007
- Figure 46: Home ownership rates, by gender, age and income--minority
respondents who own a business, July 2007
- Figure 47: Home ownership rates, by marital status and number of persons
in household--minority respondents who own a business, July 2007
- Start-up funding
- Figure 48: Primary source of funds to start business, by gender, age and
income--minority respondents who own a business, July 2007
- Figure 49: Primary source of funds to start business, by
race/ethnicity--minority respondents who own a business, July 2007
- Figure 50: Primary source of funds to start business, by marital status
and number of persons in household--minority respondents who own a business,
July 2007
- Figure 51: Primary source of funds to start business, by
education--minority respondents who own a business, July 2007
- Financing cash flow
- Figure 52: Credit card usage by race/ethnicity and
gender--self-employed, January-September 2006
- Figure 53: Types of loans held by race/ethnicity--self-employed,
January-September 2006
- Figure 54: Financing cash flow needs, by gender, age and
income--minority respondents who own a business, July 2007
- Figure 55: Financing cash flow needs, by race/ethnicity--minority
respondents who own a business, July 2007
- Figure 56: Financing cash flow, by marital status and number of persons
in household--minority respondents who own a business, July 2007
- Figure 57: Financing cash flow, by level of education--minority
respondents who own a business, July 2007
- The Consumer--Business Owner Relationship with Financial Institutions
- Interest in financial educational programs
- Figure 58: Interest in financial educational programs, by gender, age
and income--minority respondents who own a business, July 2007
- Figure 59: Interest in financial educational programs, by
race/ethnicity--minority respondents who own a business, July 2007
- Figure 60: Interest in financial educational programs, by
education--minority respondents who own a business, July 2007
- Interest in financial products/services
- Figure 61: Self-employed who have life and/or health insurance, by
race/ethnicity and company size, January-September 2006
- Figure 62: Interest in financial products and services, by gender, age
and income--minority respondents who own a business, July 2007
- Figure 63: Interest in financial products and services, by
race/ethnicity--minority respondents who own a business, July 2007
- Figure 64: Interest in financial products and services, by
education--minority respondents who own a business, July 2007
- Figure 65: Interest in financial products and services, by Census
region--minority respondents who own a business, July 2007
- Reasons for choosing a financial services provider
- Figure 66: How financial institution was chosen, by gender, age and
income--minority respondents who own a business, July 2007
- Figure 67: How financial institution was chosen, by
race/ethnicity--minority respondents who own a business, July 2007
- Figure 68: How financial institution was chosen, by marital status and
number of persons in household--minority respondents who own a business,
July 2007
- Figure 69: How financial institution was chosen, by education--minority
respondents who own a business, July 2007
- Would you recommend your bank or credit union to others?
- Figure 70: Would you recommend your current primary bank or credit
unions to others?, by gender, age, and income--minority respondents who own
a business, July 2007
- Figure 71: Would you recommend your current primary bank or credit
unions to others?, by race/ethnicity--minority respondents who own a
business, July 2007
- Figure 72: Would you recommend your current primary bank or credit
unions to others?, by level of education--minority respondents who own a
business, July 2007
- Marketing to minorities and additional recommendations
- Marketing to Asian Americans
- Marketing to Hispanics
- Figure 73: Hispanic ad spending, by industry, 2004 and 2005
- Appendix: Industry Associations
- Appendix: Advertising and Promotion
- Figure 74: Banco Popular small business banking direct mail creative,
June 2007
- Figure 75: TotalBank Totally Free Business Checking direct mail
creative, August 2007
- Figure 76: Blue Cross Blue Shield of Florida, print advertisement, May
2007
- Figure 77: Capital One general small business direct mail creative,
August 2007
- Figure 78: American Express Simply Cash general business credit card
direct mail creative, July 2007
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