DKM_2016.pdf (375.43 kB)
Access to consumer credit in the UK
journal contribution
posted on 2016-06-17, 10:16 authored by Solomon Y. Deku, Alper Kara, Philip MolyneuxThis 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.
History
School
- Business and Economics
Department
- Business
Published in
The European Journal of FinancePages
1 - 24Citation
DEKU, S., KARA, A. and MOLYNEUX, P., 2016. Access to consumer credit in the UK. The European Journal of Finance, 22(10), pp. 941-964.Publisher
© Taylor and FrancisVersion
- AM (Accepted Manuscript)
Publisher statement
This work is made available according to the conditions of the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International (CC BY-NC-ND 4.0) licence. Full details of this licence are available at: https://creativecommons.org/licenses/by-nc-nd/4.0/Publication date
2016Notes
This is an Accepted Manuscript of an article published by Taylor & Francis in The European Journal of Finance on 09 Mar 2015, available online: http://dx.doi.org/10.1080/1351847X.2015.1019641ISSN
1351-847XeISSN
1466-4364Publisher version
Language
- en