There was a long history of Jim Crow laws in the State of Georgia, which permeated in social, educational, and economical ways that prohibited African American business owners from competing for the state contracts. In 1982, there was a shift in state policy that implemented an outreach programs to seek out African American businesses and ensure that those interested businesses were enrolled as registered vendors for procurement. Yet little is known about the success of those outreach efforts over the last 35 years. Using Swearing and Plank's work on survival of minority business programs as a conceptual framework, this study evaluated (a) the association between the registration status (registered, non-registered, unknown) with the Georgia Minority Business Enterprise Program (GMBE Program) and gender, and (b) descriptive information about the outreach efforts of the MBE Program. Data were collected from 108 randomly selected African American small business owners in the State of Georgia through an online survey. A chi-square test revealed a significant association (p = .08) between gender and enrollment of registered vendors, with women more likely to register as vendors than were men. Descriptive data also revealed that nearly half (48% percent) of respondents had not registered with the MBE Program and were not aware of the educational and economic opportunities offered through the program. Contracts were awarded 4 times more frequently to vendors registered with the MBE Program as compared to businesses not registered. The positive social change implications of this study include recommendation to the state of the Georgia MBE Program to collaborate on outreach efforts to African American business owners to encourage economic development in minority communities and minorities-owned businesses.

The dissertation explores the imbricated nature of race, gender, and class in the field of insurance within the political economy of the New South. It considers how enterprising black women navigated tensions between New South rhetoric and Jim Crow reality as well as sexism and racism within the industry and among their industry peers. It complicates the narrative of black southern labor history that focuses more on women as agricultural laborers, domestics, and factory workers than as enterprising risk takers who sought to counterbalance personal ambition and self-interest with communal empowerment. Insurance organizations within black-run secret fraternal societies and formal black-owned insurance companies emerged as not only powerful symbols of black business achievement by the early decades of the twentieth century but also the most lucrative business sector of the separate black economy. Negro Captains of Industry, a coterie of successful, influential, self-made men, stood at the forefront; they represented the keystone of black economic, social, and political progress. The term invoked a decidedly masculinist image of “legitimate” leadership of black business. Considering fraternal and formal insurance, gender-inscribed rhetoric, shaped by racism and New South ideology, imagined black men as the ideal protectors and providers; women became the objects of protection rather than agents of economic development, job creation, and financial security. The dissertation explores how women operated creatively within and outside of normative expectations of their role in the insurance business. The dissertation considers the role of state regulation and zealous regulators who often targeted insurance organizations and companies, the primary symbols of black business success; in other ways, regulation dramatically improved profitability and stability. The dissertation identifies three key periods: the Pre-Regulatory Era, 1890s to 1906; the Era of Regulation, 1907-World War I; and the Professionalization of Black Insurance, Post-WWI to the Great Depression. It also considers the barriers to black women’s involvement in professional organizations. By the late 1930s, enterprising women in insurance lost ground as fraternal insurance waned in influence and as the strongest proponents of the black separate economy promoted a vision that embraced women as consumers rather than business owners. / text

Despite the high failure rate of African American small businesses in the United States, only 2% of the U.S. Small Business Administration loans in 2016 were awarded to African American business owners. Most small business owners cite lack of access to financial resources as an influential factor that leads to business failure. Grounded in resource-based view theory, the purpose of this multiple case study was to identify strategies African American small business owners in Los Angeles County, California use to obtain financial resources to achieve sustainability for at least 5 years. Data were collected from in-depth interviews with 4 purposively selected African American small business owners and supplemented with a review of internal reports and original business plans that outlined their financing strategy. The data analysis process entailed Yin's 5-step analysis to guide the coding of participants' responses to identify keywords, phrases, and concepts to develop theme clusters. Through thematic analysis, 4 themes emerged to include: financial resources improved business success and stability, internal financing, business mentors and networking to secure financial stability, and overcoming nonfinancial challenges. All participants noted access to financial resources as the most important resource needed for their business to succeed, particularly in the initial phase of launching their businesses. The implications for social change include the potential to enhance African American small business profitability and growth leading to new employment opportunities, improved community amenities, and business mentor programs with youth, which can encourage wealth for the surrounding community of Los Angeles County and local government.