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Small Business and Microenterprise

Small Business and Microenterprise. Owning up  (Chapter 5) Lofstrom, Magnus. 2010. “Entrepreneurship among California’s Low-skilled Workers.” Public Policy Institute of California.   http://www.ppic.org/main/publication.asp?i=843

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Small Business and Microenterprise

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  1. Small Business and Microenterprise • Owning up (Chapter 5) • Lofstrom, Magnus. 2010. “Entrepreneurship among California’s Low-skilled Workers.” Public Policy Institute of California.  http://www.ppic.org/main/publication.asp?i=843 • CFED. 2012.  “Policy Brief: State Microenterprise Support.”  CFED Assets and Opportunity Scorecard. http://cfed.org/assets/scorecard/2013/pb_Microenterprise_2013.pdf • Servon, Lisa J. “Microenterprise Development in the United States: Current Challenges and New Directions.”Economic Development Quarterly 2006 20: 351  (Skim) • Klein, Joyce and Luz Gomez. 2010.  “Financial Literacy and Credit Building Services Among Microenterprise Development Organizations.” FIELD Microenterprise Fund for Innovation, Effectiveness, Learning and Dissemination.  http://fieldus.org/Publications/FinEdPracticeScan.pdf

  2. Economics of choosing self-employment: • Opportunity cost: What are alternative jobs like? • “Compensating differentials”: non-wage characteristics of jobs matter including ability to combine with other work and childcare, hours, location. • Intrahousehold aspect: Are there other household members to add to income, provide stability in income, and to provide health insurance coverage? • Risk-aversion and uncertainty: Degree of willingness to take on risk especially if there is uncertainty about potential gains or losses.

  3. In-flow adds to stock Stock is the level at the current time RETURNS From stock (depend on level) Out-flow subtracts from stock Stocks and Flows of Characteristics of a sub-population (Why stock of businesses is more successful than inflow!)

  4. Microenterprise Development Organizations: Financial training product mix decisions From Servon, Lisa J. “Microenterprise Development in the United States: Current Challenges and New Directions.”

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