Vision Care Utilization and Insurance Coverage Prior to and Following Medicaid Expansion in Ohio

Background: Increased access and utilization of vision care services has the potential to reduce preventable vision loss. The state of Ohio has been uniquely proactive when collecting vision-oriented data through population health surveys, including the Behavioral Risk Factor Surveillance System (BRFSS). These data can be used to better understand vision care utilization patterns and access to insurance. Methods: Responses to 3 items administered in the Ohio BRFSS that assess vision care utilization and insurance coverage were compared between 2 different administration periods, 2005-2011 and 2018-2019, using chi-square tests. Comparable data from 2 items assessing eye care utilization were available in 2005-2011 and 2019. Comparable data for insurance coverage were available in 2005-2011 and in 2018-2019. Responses were further stratified by population characteristics, including age, gender, household income, and education level. Results: The percentages of those reporting eye exams in the previous year were not significantly different between 2005-2011 and 2019 (chi-square, p = 0.06). In Ohio, the primary reason for not seeing a vision care provider in the past 12 months was “No reason to go” in 2005-2011 and in 2019. The second most common reason for not seeing a vision care provider in the past 12 months was “Cost/insurance,” which decreased between 2005-2011 and 2019 (chi-square, p <0.001). Insurance coverage for eye care increased between 2005-2011 and 2018-2019 (chi-square, p <0.001). Important differences were found within the demographic stratification. Conclusion: Population health surveillance data provide useful insight into vision care utilization and insurance coverage. Despite the increase in insurance coverage, eye care provider utilization remains relatively stable

Ethnic minority business policy in the era of the Small Business Service

The advent of the Small Business Service (SBS) has been accompanied by a renewed interest in ethnic minority enterprise. The content, nature, and efficacy of engagement processes with ethnic minority business (EMB) are likely to be important criteria for the granting of local SBS franchises, if the support needs of EMBs are to be successfully identified and responded to in the light of community and socioeconomic differences. This imperative has thrown into sharp relief unarticulated assumptions upon which policy towards EMBs has been, or should be, constituted. A review of these policy questions, and an assessment of the way forward, is long overdue. This is the key aim of the paper. In addressing this task, the authors draw upon a range of recent and ongoing studies of different facets of EMB activity, focusing in particular on the policy dimension. The discussion is divided into three main sections. First, there is an assessment of the support needs of EMBs. A key question is the extent to which such businesses are distinct from the general small firm population; and whether differences can be attributed to other factors, such as size and sector. This issue has implications for the delivery of business services; in particular, should services be delivered within existing 'mainstream' business support institutions, or through agencies predicated upon notions of ethnic differentiation? Second, issues and lessons from previous policy initiatives are considered. In particular, the role of specialist agencies, urban regeneration initiatives, and business-led organisations are assessed. After considering issues emerging from extant studies, part three identifies elements for a more coherent policy towards EMBs. Such a policy should include: clearer objectives; placing support EMBs within mainstream provision; an engagement strategy; closer integration between business support and regeneration policies; better access to finance; and more client-focused business support.

Addressing the business support needs of ethnic minority firms in the United Kingdom

The authors examine the provision of enterprise support to ethnic minority businesses (EMBs) in five cities in the United Kingdom. The central focus is on the nature of support provision, including relationship with the commercial banks. It is well established that EMBs are underrepresented as clients of mainstream providers of enterprise support, such as Business Links in England, or Local Enterprise Companies in Scotland, and that participation and practice, even with specialist ethnic agencies, is highly variable. The authors discuss evidence from research undertaken through a programme of thirty-three face-to-face interviews with respondents from a cross-section of support agencies in five city locations in which EMBs are concentrated, namely, London, Leicester, Birmingham, Glasgow, and Edinburgh. They discuss evidence from the face-to-face interviews in the light of previous research findings, developing implications for future support policy for EMBs. They highlight good practice, identify gaps in provision, and suggest policies which can improve the access of EMBs to support and finance.

Ethnic minority entrepreneurs and the commercial banks in the UK: access to formal sources of finance anddecision-making by their bankers

This chapter is concerned with access to bank finance by ethnic minority businesses (EMBs) in the U.K., focusing particularly on the process of decision-making by bank managers with respect to credit applications by entrepreneurs from ethnic minority groups. The results reported in this chapter are taken from a major U.K. study that included two large scale surveys of EMB owners and a white control group, case studies with ethnic minority entrepreneurs and a programme of interviews with business support agencies. Whilst referring to other evidence, this chapter focuses on the findings from a series of interviews with bank representatives. The U.K. study was funded by the British Bankers’ Association (BBA), the Bank of England and the Small Business Service and supported by the Commission for Racial Equality

Access to finance by ethnic minority businesses in the UK

This article presents findings from a large-scale study of access to finance and business support by ethnic minority businesses (EMBs) in the UK. The results show more variation between ethnic minority groups than between EMBs (as a group) and white-owned firms; with African/Caribbean owned businesses (ACBs) appearing the most disadvantaged. Analysis shows them to have been less successful in accessing bank loans than either white or other ethnic minority groups and to have a higher propensity to turn to non-bank formal sources of start-up finance (including various sources of `last resort' lending). Although some of these difficulties are associated with certain types of business activity in which ACBs are concentrated, sector is not a determining influence. The results suggest that ACBs, and/or sectors in which ACBs are concentrated, would appear to justify a targeting priority in any new finance initiatives that are taken

Ethnic minority entrepreneurs and the commercial banks in the UK: access to formal sources of finance anddecision-making by their bankers

This chapter is concerned with access to bank finance by ethnic minority businesses (EMBs) in the U.K., focusing particularly on the process of decision-making by bank managers with respect to credit applications by entrepreneurs from ethnic minority groups. The results reported in this chapter are taken from a major U.K. study that included two large scale surveys of EMB owners and a white control group, case studies with ethnic minority entrepreneurs and a programme of interviews with business support agencies. Whilst referring to other evidence, this chapter focuses on the findings from a series of interviews with bank representatives. The U.K. study was funded by the British Bankers’ Association (BBA), the Bank of England and the Small Business Service and supported by the Commission for Racial Equality

Assessing the potential of supplier diversity initiatives as a means of promoting diversification among ethnic minority businesses in the UK Summary

Title from cover. Also available via the InternetSIGLEAvailable from British Library Document Supply Centre- DSC:m03/25109 / BLDSC - British Library Document Supply CentreGBUnited Kingdo