Access to Consumer Credit in the UK

Solomon Deku, Alper Kara and Philip Molyneux ()

No 14004, Working Papers from Bangor Business School, Prifysgol Bangor University (Cymru / Wales)

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.

Keywords: Consumer Credit; Financial Exclusion; Racial Origin (search for similar items in EconPapers)
JEL-codes: D14 G21 J14 (search for similar items in EconPapers)
Pages: 34 pages
Date: 2014-09
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (1)

Downloads: (external link)
http://www.bangor.ac.uk/business/research/documents/BBSWP-14-004.pdf (application/pdf)

Related works:
Journal Article: Access to consumer credit in the UK (2016)
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:bng:wpaper:14004

Access Statistics for this paper

More papers in Working Papers from Bangor Business School, Prifysgol Bangor University (Cymru / Wales) Contact information at EDIRC.
Bibliographic data for series maintained by Alan Thomas ().