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Additional Measures Needed to Assess 7(a) Loan Program’s Performance

In order to develop an in-depth understanding of the subject while at the same time reducing the complexity of our research endeavor, we decided to distinguish three related research questions that will be explained in more detail below. First, we were interested in the direct influences of regulatory actors on strategy formation – more specifically, on corporate re- source allocations. While this helped us to identify if there was an influence of regulatory actors, the second step involved examining how strategy formation was impacted. We then analyzed internal alignments at the elements of corporate strategy and structure | United States Government Accountability Office GAO Report to the Ranking Member Subcommittee on Federal Financial Management Government Information Federal Services and International Security Committee on Homeland Security and Governmental Affairs U.S. Senate July 2007 SMALL BUSINESS ADMINISTRATION Additional Measures Needed to Assess 7 a Loan Program s Performance GAO-07-769 July 2007 À GAO ÌỈỈM Accountability Integrity Reliability Highlights Highlights of GAO-07-769 a report to the Ranking Member Subcommittee on Federal Financial Management Government Information Federal Services and International Security Committee on Homeland Security and Governmental Affairs U.S. Senate Why GAO Did This Study The Small Business Administration s SBA 7 a program initially established in 1953 provides loan guarantees to small businesses that cannot obtain credit in the conventional lending market. In fiscal year 2006 the program assisted more than 80 000 businesses with loan guarantees of nearly 14 billion. This report examines 1 the program s purpose based on its legislative history and performance measures 2 evidence of constraints if any affecting small businesses access to credit 3 the types of small businesses served by 7 a and conventional loans and 4 differences in SBA s estimates and reestimates of the program s credit subsidy costs. GAO analyzed agency documents studies on the small business lending market and data on the characteristics of small business borrowers and loans. What GAO Recommends GAO recommends that SBA take steps to ensure that the 7 a program s performance measures provide information on program outcomes. In written comments SBA agreed with the recommendation in this report but disagreed with one comparison in a section of the report on credit scores of small businesses with 7 a and conventional loans. www.gao.gov cgi-bin getrpt GAO-07-769. To view the full product including the scope and methodology click on the link above. For more information contact