Discrimination in Small Business Lending

Last registered on July 25, 2025
View Trial History

Pre-Trial

Trial Information

General Information

Title
Discrimination in Small Business Lending
RCT ID
AEARCTR-0016167
Initial registration date
July 14, 2025

Initial registration date is when the trial was registered.

It corresponds to when the registration was submitted to the Registry to be reviewed for publication.

First published
July 25, 2025, 10:58 AM EDT

First published corresponds to when the trial was first made public on the Registry after being reviewed.

Locations

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Primary Investigator

Name
Samuel Lindquist
Affiliation
UC San Diego
Contact Primary Investigator

Other Primary Investigator(s)

Additional Trial Information

Status
In development
Start date
2025-07-28
End date
2027-05-19
Keywords
Finance & Microfinance, Firms & Productivity, Gender, Other
Additional Keywords
Discrimination, Business Lending
JEL code(s)
Secondary IDs
Prior work
This trial does not extend or rely on any prior RCTs.
Abstract
We run a study on U.S. small business lending. See Experimental Design (Hidden) for details.
External Link(s)

Registration Citation

Citation
Lindquist, Samuel. 2025. "Discrimination in Small Business Lending ." AEA RCT Registry. July 25. https://doi.org/10.1257/rct.16167-1.0
Sponsors & Partners

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Experimental Details

Interventions

Intervention(s)
See Intervention (Hidden)
Intervention Start Date
2025-07-28
Intervention End Date
2027-05-19

Primary Outcomes

Primary Outcomes (end points)
See Experimental Design (Hidden)
Primary Outcomes (explanation)
See Experimental Design (Hidden)

Secondary Outcomes

Secondary Outcomes (end points)
See Experimental Design (Hidden)
Secondary Outcomes (explanation)
See Experimental Design (Hidden)

Experimental Design

Experimental Design
See Experimental Design (Hidden)
Experimental Design Details
Not available
Randomization Method
Randomization will be carried out by a random number generator via a programming language.
Randomization Unit
See Experimental Design (Hidden)
Was the treatment clustered?
No

Experiment Characteristics

Sample size: planned number of clusters
See Experimental Design (Hidden)
Sample size: planned number of observations
N = 115,200 (subject to exclusion criteria detailed in Experimental Design (Hidden))
Sample size (or number of clusters) by treatment arms
Our total sample size of N = 115,200 will be divided into six treatments. See Experimental Design (Hidden) for more details.
T1: N = 8/24 of total N
T2: N = 4/24 of total N
T3: N = 4/24 of total N
T4: N = 4/24 of total N
T5: N = 2/24 of total N
T6: N = 2/24 of total N
Minimum detectable effect size for main outcomes (accounting for sample design and clustering)
Supporting Documents and Materials
IRB

Institutional Review Boards (IRBs)

IRB Name
University of California San Diego
IRB Approval Date
2025-06-04
IRB Approval Number
803769
Analysis Plan