Access to Consumer Credit in the UK

Solomon Y. Deku; Alper Kara; Philip Molyneux

doi:10.1080/1351847X.2015.1019641

Access to Consumer Credit in the UK

Solomon Y. Deku, Alper Kara, Philip Molyneux

Research output: Contribution to journal › Article

5 Citations (Scopus)

Abstract

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.

Language	English
Pages	941-964
Number of pages	24
Journal	European Journal of Finance
Volume	22
Issue number	10
DOIs	10.1080/1351847X.2015.1019641
Publication status	Published - 2016
Externally published	Yes

Fingerprint

Household

Consumer credit

Financing

Borrowing

Propensity score matching

Treatment effects

Cite this

Deku, S. Y., Kara, A., & Molyneux, P. (2016). Access to Consumer Credit in the UK. European Journal of Finance, 22(10), 941-964. https://doi.org/10.1080/1351847X.2015.1019641

Deku, Solomon Y. ; Kara, Alper ; Molyneux, Philip. / Access to Consumer Credit in the UK. In: European Journal of Finance. 2016 ; Vol. 22, No. 10. pp. 941-964.

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Deku, SY, Kara, A & Molyneux, P 2016, 'Access to Consumer Credit in the UK', European Journal of Finance, vol. 22, no. 10, pp. 941-964. https://doi.org/10.1080/1351847X.2015.1019641

Access to Consumer Credit in the UK. / Deku, Solomon Y.; Kara, Alper; Molyneux, Philip.

In: European Journal of Finance, Vol. 22, No. 10, 2016, p. 941-964.

Research output: Contribution to journal › Article

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