Access to Consumer Credit in the UK

Solomon Y. Deku, Alper Kara, Philip Molyneux

Research output: Contribution to journalArticlepeer-review

23 Citations (Scopus)


This paper investigates household access to consumer credit in the UK using information on 58,642 households between 2001 and 2009. Employing a treatment-effects model and propensity score matching, we find that non-white households are less likely to have financing compared to white households. We also find that even if they obtain financing, the intensity of borrowing is lower than for white households. Overall, non-white households seem to be in a weaker position to access consumer credit in the UK.
Original languageEnglish
Pages (from-to)941-964
Number of pages24
JournalEuropean Journal of Finance
Issue number10
Early online date9 Mar 2015
Publication statusPublished - 8 Aug 2016
Externally publishedYes


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