DISCRIMINATION BY FORMAL LENDERS IN SOUTH AFRICA

Mark Schreiner, Douglas H. Graham, Nick Vink and Gerhard K. Coetzee

No 28336, Economics and Sociology Occasional Papers - ESO Series from Ohio State University, Department of Agricultural, Environmental and Development Economics

Abstract: Censored (Tobit) regression is used to estimate the effects of race, location of residence, and sex of the household head on formal debt held by South African households. The magnitude of the effects suggests that lenders discriminate and that formal financial markets could be improved even without technical innovation.

Keywords: Financial; Economics (search for similar items in EconPapers)
Pages: 13
Date: 1995
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Persistent link: https://EconPapers.repec.org/RePEc:ags:ohsesp:28336

DOI: 10.22004/ag.econ.28336

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