Abstract
| Original language | English |
|---|---|
| Pages (from-to) | 941-964 |
| Number of pages | 24 |
| Journal | European Journal of Finance |
| Volume | 22 |
| Issue number | 10 |
| DOIs | |
| Publication status | Published - 2016 |
| Externally published | Yes |
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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
TY - JOUR
T1 - Access to Consumer Credit in the UK
AU - Deku, Solomon Y.
AU - Kara, Alper
AU - Molyneux, Philip
PY - 2016
Y1 - 2016
N2 - 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.
AB - 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.
KW - Consumer credit
KW - Financial exclusion
KW - Racial origin
UR - http://www.tandfonline.com/toc/rejf20/current
U2 - 10.1080/1351847X.2015.1019641
DO - 10.1080/1351847X.2015.1019641
M3 - Article
VL - 22
SP - 941
EP - 964
JO - European Journal of Finance
JF - European Journal of Finance
SN - 1351-847X
IS - 10
ER -