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Access to consumer credit in the UK

Deku, Solomon Y., Kara, Alper and Molyneux, Philip (2016) Access to consumer credit in the UK. The European Journal of Finance, 22 (10). pp. 941-964. ISSN 1351-847X

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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.

Item Type: Article
Uncontrolled Keywords: Consumer credit; Financial exclusion; Racial origin
Subjects: H Social Sciences > HG Finance
Schools: Huddersfield Business School
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Depositing User: Alper Kara
Date Deposited: 28 Nov 2017 16:16
Last Modified: 28 Nov 2017 16:16
URI: http://eprints.hud.ac.uk/id/eprint/34013

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